Motorcycle Insurance

Optional Insurance

Optional Bodily Injury to Others
Pays for damages to people injured or killed in an accident if you, a household member, or someone else using your motorcycle with your consent is legally responsible for the accident. Unlike the compulsory part, this coverage does provide coverage for injuries to guest occupants and accidents occurring outside of Massachusetts.

Medical Payments
This coverage pays for reasonable expenses for necessary medical and funeral services for yourself and your passengers incurred as the result of a motorcycle accident. It also covers expenses if you or a household member is struck by a vehicle or a passenger in another vehicle at the time of an accident.

Collision
This coverage pays for any direct and accidental damage to your motorcycle caused by a collision, regardless of fault. It also covers damage to other private passenger autos you or a household member use with the owner’s permission.

Limited Collision
This coverage will pay, in some situations, for direct and accidental damage to your motorcycle caused by a collision. Coverage is only provided for multiple car accidents in which the motorcycle driver we cover was no more than 50% at fault.

Comprehensive
This is not a substitute for Collision or Limited Collision. Comprehensive insurance will pay for direct and accidental damage to or loss of your motorcycle in non-collision situations, including vandalism, theft, fire, wind, hail, flood, hitting an animal, etc.

Substitute Transportation
This coverage reimburses you, up to the limits shown on the Coverages Selections Page, in certain situations if your motorcycle is in a collision and is being repaired or replaced.

Towing & Labor
This coverage pays for motorcycle towing and labor due to a breakdown, even without an accident. Coverage is up to the limit shown on the declaration page.

Bodily Injury Caused by an Underinsured Vehicle
This coverage pays for damages for bodily injury or death as the result of accidents caused by someone who does not have enough insurance.

Custom Equipment Coverage
If your motorcycle has permanently attached custom equipment such as after-factory parts, saddle bags, etc., speak with your insurance professional and provide receipts of the cost of these items to ensure their value is included in the total value of your motorcycle. Without proper documentation, after-factory parts may not be covered.

NOTE: This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. For further information, contact a Murphy Insurance Agency professional.