Which Coverage Can I Add to My Motorcycle Insurance Policy?

Motorcycle Optional Coverage

Ride confidently with PSIC, knowing you’re protected against foreseen and unexpected risks. Explore our variety of coverage options and customize your policy today.

 

Liability related coverage

Customize your policy to guarantee protection against unexpected and undesirable situations, ensuring both your safety and coverage in the event of a claim.

 

What is medical payment coverage?

Medical payments coverage is a crucial help for protecting you against injuries that may occur while riding a motorcycle, by taking care of the medical costs resulting from an accident, regardless of who is at fault.

By including this endorsement in your Motorcycle Insurance policy, you can ride with confidence knowing that your medical bills will be taken care of, reducing the financial burden during a challenging time, whether you are responsible for the injury or not.

 

 

Self-protection related

These additional options offer you protection and financial security in a range of circumstances, including accidents, injuries, or property damage, ensuring their welfare and minimizing potential financial liabilities.

 

What is uninsured motorist coverage?

Uninsured motorist coverage provides support by taking care of the medical bill if you’re injured in an accident caused by a rider who lacks insurance as well as covering the cost of repairing your motorcycle.

 

This coverage serves as a safety net, offering peace of mind and financial protection if you find yourself in a collision with an uninsured rider. By adding this endorsement, you can ensure that you won’t be left with the burden of expenses that the responsible rider’s insurance cannot cover, allowing you to recover and get back on the road without undue financial strain.

 

 

What is underinsured motorist coverage?

Underinsured motorist coverage offers assistance by paying the medical expenses and other costs in case you’re injured in a collision caused by a rider who doesn’t have enough coverage to fully compensate you for the damages caused to you or your motorcycle.

 

Having this additional option with your Motorcycle Insurance will protect you from the financial consequences when the at-fault rider in an accident has insurance, but their coverage limit is insufficient to pay for the harm. By having this endorsement, you can rest assured that your medical expenses are taken care of, and you will receive compensation for the damages caused to your motorcycle when the person responsible for the collision is unable to cover those costs.

 

 

Vehicle related coverage

We recognize the value you place on your motorcycle and the care you provide for it. Let us assist you in ensuring its protection from accidents, theft, damage, and other unexpected events.

 

What is comprehensive and collision coverage?

Comprehensive and collision coverage protects your motorcycle by paying for repairs or replacements for damages caused by collisions with another vehicle or an object or non-collision incidents like theft, vandalism, or falling objects when you’re responsible for the collision that led to the damage.

 

This additional option gives the extra support your motorcycle needs to be fully protected against a wide range of risks. Whether it’s repairing damages from a collision or addressing losses from theft, vandalism, or other unforeseen circumstances that may arise during any of your trips.

 

 

What is accessory coverage?

Accessory coverage provides vital protection for the upgrades and equipment you’ve added to your motorcycle, making sure that the expenses for repairing or replacing custom paint, wheels, seats, and electronics are covered in the event of damage or loss.

 

By getting this coverage you can preserve the value and integrity of your motorcycle’s customized features. Whether it’s the unique paint job, upgraded wheels, or specialized electronic equipment, we’ll restore or replace these enhancements if damaged or stolen.

 

 

What is safety riding apparel coverage?

Safety riding apparel coverage guarantees the protection of your riding gear while you’re on the road. This coverage specifically includes helmets, leathers, riding boots, gloves, and protective eyewear, ensuring that these essential items are covered in case of damage, loss, or theft.

 

By adding this option to your insurance policy, you can have peace of mind knowing that the investments you have made in high-quality riding gear are adequately protected. You can ride with the confidence that your safety riding apparel, which plays a vital role in protecting you while on the road, is safeguarded and can be repaired or replaced if necessary.

Note: This coverage is only available in CA.

 

 

Emergency related coverage

For your safety on the road, we offer personalized options to keep you protected as we are aware that emergencies happen on the road and you may need extra support.

 

What is roadside assistance coverage?

Roadside assistance coverage offers essential services for repairing your motorcycle after a breakdown or malfunction, including towing, jump starts, flat tire assistance, delivery of vehicle fluids, lockout assistance, and more.

 

By choosing this optional coverage, you can rest assured that help is just a phone call away in case of a breakdown or emergency. Whether you need a tow, a jump start, or assistance with a flat tire, roadside assistance coverage provides the necessary aid to get you back on your adventure.

 

 

What is emergency expense coverage?

Emergency expense coverage offers essential support in the event of an accident occurring more than 50 miles away from your home. It assists with temporary living expenses such as hotel stays and rental cars, ensuring that unexpected costs are covered.

 

With this endorsement, you’ll have assistance in covering the additional expenses that may arise during your trip. Whether it’s the cost of hotel accommodations or rental transportation, trip interruption coverage helps you navigate unexpected situations and continue your journey with minimal disruption.

 

 

What is Transportaion trailer coverage?

Transportation coverage safeguards the trailer used to transport your motorcycle, and also takes care of the safety of your motorcycle during the transportation process, protecting both from possible risks or damages that may arise.

 

By including this endorsement, you gain the peace of mind that both your trailer and motorcycle are protected from potential damages, theft, or accidents that may occur during transportation. This coverage addresses the risks and uncertainties associated with transporting your motorcycle, allowing you to focus on your journey with the assurance that your valuable assets are safe.

 

 

Finances related coverage

Rest assured that your financial well-being is safe while our coverage options protect you against any possible financial risk.

 

What is income disability coverage?

Income disability coverage offers you financial security by providing a tax-free income payout in the event of injury while riding. That way you can focus on your recovery as we’ll keep you covered until you can resume your work.

 

With this coverage you’ll receive monthly tax-free payments when you’re unable to work for an extended period due to illness or damages you suffered while riding your bike. When sick pay eventually runs out, income protection becomes crucial, ensuring financial stability during the recovery period. Note: Income disability coverage is only available in HI.

 

Where Does PSIC Offer Motorcycle Insurance Coverage?

At PSIC, we provide Motorcycle Insurance coverage in the states of California, Hawaii.