Motorcycle Insurance

For our clients motorcycles aren't just transportation, they're a way of life. We know motorcycle insurance because we love motorcycles too. Let us help you save money and protect your bike.

What is Motorcycle Insurance?

Motorcycle insurance is a type of insurance coverage specifically designed for motorcycles.

It provides financial protection against damages, injuries, and liabilities that may arise from accidents or other covered incidents involving motorcycles. Motorcycle insurance typically includes coverage for liability, which covers bodily injury and property damage to others caused by the motorcycle rider. It may also include collision coverage to pay for repairs or replacement of the motorcycle in case of a collision, as well as comprehensive coverage to protect against theft, vandalism, or damage caused by non-collision events like fire or natural disasters.

​Additional coverage options such as medical payments, uninsured/underinsured motorist coverage, and roadside assistance may also be available. Motorcycle insurance is important for riders to ensure their own safety, protect their investment in the motorcycle, and comply with legal requirements in many jurisdictions.

Motorcycle Insurance Coverages

There several different types of motorcycle insurance coverages. Some may be required by law. Others are optional. The main coverages are:
  • Accessory Coverage - Covers loss, theft, or damage to motorcycle accessories like saddlebags, custom handlebars, and OEM electronics.
  • Comprehensive Physical Damage Coverage - Covers physical damage or loss of the motorcycle that is not the direct result of a moving vehicle collision.
  • Collision Coverage - Pays for damage to an insured motorcycle when it hits or is hit by another car or object, or if the motorcycle overturns. 
  • Bodily Injury Liability Coverage - Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. This includes passengers riding on your motorcycle.
  • Property Damage Liability Coverage - Pays damages for physical damage resulting from an accident for which you are at fault and provides you with a legal defense.
  • Medical Payments Coverage - Pays medical expenses of the parties riding on the motorcycle involved in a motorcycle accident.
  • Personal Injury Protection Coverage - This is an extension of motorcycle insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages.  PIP is designed to be paid without regard to legal liability. 
  • Uninsured/Underinsured Motorist Coverage -  Provides for a motorcycle operator to receive damages for any injury he or she receives from an uninsured, negligent driver. The coverage pays the difference between what the uninsured or underinsured driver can pay and what the injured operator would be entitled to as if the uninsured motorist had proper insurance
  • Motorcycle Roadside Assistance Coverage - Roadside assistance and breakdown coverage assist operators whose motorcycle has suffered a mechanical failure that leaves the operator stranded.

    Contact us to learn more about the right motorcycle insurance for you.
(540) 712-2199​
600 Lee Highway
Verona, VA 24482​
Click Here to Email Us
Motorcycle Insurance Quote
Get a motorcycle insurance quote