COVERAGE OVERVIEW
DISCLOSING DRIVERS
It is important to disclose all drivers- First Named Insured as listed on policy; others in the household – Spouse, Relatives such as children, Domestic Partner, and Unrelated Residents. Also, Regular Drivers Living Elsewhere must be disclosed.
TORT OPTION
PA drivers are offered two choices for not-at-fault injuries.
- Limited Tort allows recovery for all medical and out-of-pocket expenses; but pain and suffering only if it meets the definition of “serious injury”.
- Full Tort does not require the “serious injury” definition.
IF YOU ARE INJURED
- Medical Payments (Optional)
Coverage from other auto policies may vary. Many have exclusions when riding a motorized 2-wheeled vehicle, either on-road or off-road.
IF YOU INJURE SOMEONE OR DAMAGE OTHERS’ PROPERTY
Liability protection provides legal defense and a settlement to
- those you may injure, or
- for property you may damage.
These limits can become outdated.
You can have additional coverage with a stand-alone Excess Liability Policy.
IF YOU ARE INJURED BY AN IMPROPERLY INSURED DRIVER
The occupants of your motorcycle can be protected from injuries by Uninsured Motorists (no insurance at all) or Underinsured Motorists (legally insured, but with insufficient coverage). You can
- reject this optional coverage,
- lower the limit (matches the Bodily Injury Liability limit)
- reject stacking (multiplies the coverage times the vehicles on the policy).
YOUR CYCLE DAMAGE (OPTIONAL)
This includes Cosmetic Damage such as paint chips, scratches and minor dents. It also includes a Genuine Manufacturer Parts Guarantee. Deductibles for vehicle damage apply. Choosing higher deductibles lowers your premium.
- Collision (roadway accident, hit-and-run)
- Comprehensive (fire, theft, vandalism, glass damage, flood, hitting a deer, & more)
ADDITIONAL OPTIONS
Accessory Coverage is automatically included up to $3,000 if you purchase Collision and Comprehensive. It can be increased to $30,000
Agreed Value Coverage (instead of traditional Actual Cash Value) may be available for qualified bikes over 25 years old.
Emergency Roadside Assistance provides towing to the nearest qualified repair facility. This includes “Sign & Drive” that can also be expanded to include Trip Interruption coverage.
Rental Motorcycle Coverage may apply for motorcycles you rent if your policy includes Collision and Comprehensive.
Total Loss Coverage is available for cycles no more than 1 year old.
Carried ContentsSM coverage pays to replace personal property ($1000-$2000-$3000 options; $250 deductible) that is carried while riding if damaged, destroyed or stolen as a result of a covered loss.
Enhanced Injury Protection covers a portion of income loss or death benefit as a result of a covered accident.
PROGRESSIVE PRODUCTS
Auto–Personal, Auto–Comm’l
ATV, Boat
Motorcycle, RV
Snowmobile, Umbrella
Motor Home, including Full Timers
Travel Trailer, incl. Park Models
Employment Practices Liability
REVIEW
We ask for the opportunity to review your needs when purchasing insurance. We also provide a written review each year.