Indiana Motorcycle Insurance

General Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options for Indiana

Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in Indiana. All of our policies insure individuals for recreational use only.

The information on this page is intended to be advertising statements, and is not an offer or promise of insurance coverage, nor should this information be relied on when determining the actual terms, conditions, and exclusions that apply to a specific insurance policy.

All of our insurance policies include the following:

All Rider Insurance policies include uninsured and underinsured motorist coverage. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. It also covers you for damage to your vehicle. Uninsured motorist coverage limits are set at the liability limits you choose for your policy, except that the property damage limit is always $10,000. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than your underinsured motorist coverage. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the difference between the limits of your underinsured motorist coverage and the other driver's policy limits. For example if your policy contained $50,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $25,000 for your injuries, you would be able to recover up to an additional $25,000 (to reach $50,000) from your policy if you were injured badly enough to be awarded that amount. The minimum limits for Underinsured Motorist Coverage bodily injury are $50,000 per person, $50,000 per accident. There is no Underinsured Motorist property damage coverage.

A reduced premium is available to anyone who elects not to include this optional coverage.

Each policy protects you if another person, including your passenger, makes a claim that they suffered bodily injury or property damage from an accident that was your fault. You have no obligation to the injured party unless the damages exceed your policy limit.

Your insurance policy provides Medical Payment Coverage to pedestrians when struck by your motorcycle and for your spouse when a passenger on your motorcycle when it is operated by you. It pays the cost of hospital, doctor and other medical treatment up to $5,000 for the pedestrian and $2,000 for the spouse. Medical Payment Coverage is not provided for vehicle operator, or any passenger who is not the insured’s spouse.

Insurance Coverage Packages & Options

The state of Indiana requires that all operators carry at least basic liability coverage. The state of Indiana minimum requirements are $25,000 bodily injury, $50,000 each accident and $25,000 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault.

Rider offers a range of liability options higher than the standard liability limits.

$50,000 Bodily Injury - Each Person
$100,000 Bodily Injury - Each Accident
$25,000 Property Damage

$100,000 Bodily Injury - Each Person
$300,000 Bodily Injury - Each Accident
$50,000 Property Damage

$250,000 Bodily Injury - Each Person
$500,000 Bodily Injury - Each Accident
$100,000 Property Damage

 

 

 

This is an optional coverage which pays medical bills for the operator and passengers in an accident. The coverage is provided regardless of fault.

Comprehensive:
Also known as “Other than Collision”, comprehensive is when damage is caused by any of the following: breakage of glass, contact with a bird or animal, explosion or earthquake, fire, hail, water, flood or wind, lightning, malicious mischief or vandalism, missile or falling object, riot or civil commotion, smoke or theft. Policy limit for comprehensive coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for comprehensive coverage.

Collision Coverage: 
Pays for covered losses caused by impact with another vehicle or object. Policy limit for collision coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for collision coverage.

Note: Rider Insurance will pay replacement cost for certain total loss motorcycles. Motorcycles that are entitled to replacement cost must have been purchased new and within one year of the date of loss. Replacement cost means the cost of purchasing the same motorcycle or the price you paid for it, whichever is less, minus the deductible. It is up to the insured to find a replacement bike. Accessories will be included at replacement cost also, if the insured is eligible for Rider’s accessory package. The maximum Rider will pay will be $45,000, plus accessories, if eligible (up to the accessory limit). Invoices will be required. Replacement cost does not include every dollar spent when the bike was purchased. For example, it will not include payment for extended warranties or other dealer incentives; it will also not guarantee that any loan will be completely paid off, if that loan exceeded the unit cost of the bike.

Roadside Assistance coverage is included on all policies. It provides towing in the event your motorcycle is disabled.

  • Towing up to 35 miles
  • Mechanical or electrical breakdown
  • Battery Jumpstart
  • Flat tire towing (up to 35 miles)
  • Lockout
  • Emergency delivery of fuel, oil, water or other fluids (does not include cost of fluids).

Up to $8,000 in accessory coverage is included on all policies with physical damage coverage at no additional cost. This includes customized parts and equipment and paint. The coverage is in excess of the $45,000 limit on comprehensive or collision coverage. Additional accessory coverage options ($11,000 Limit & $14,000 Limit) are available for purchase.

Accessory Package Detail Descriptions

This coverage is provided on all vehicles with physical damage coverage. It provides coverage for damage to your motorcycle safety helmet and/or safety apparel resulting from a covered collision loss. It also provides trip interruption coverage for meals and lodging when resulting from an insured peril.

Transfer - A discount is applied to any policy transferring coverage from another insurance company, with no more than a 180-day lapse in coverage. Prior policy number is required.

Multiple Bike - Discount percentage varies based on the number of vehicles and operators listed on the policy.

Loyalty - A discount is applied to all policies renewing with no lapse in coverage. Policies that go under notice more than twice in the prior term are not eligible for this discount.

Home Owner - A discount is applied to all homeowners.

Advanced Quote - A discount is applied to all new policies secured at least 5 days before policy effective date.

Military - A discount is applied to all active and retired military personnel.

Riding Group - A discount is applied to any policy with a current affiliation with any of the following: HOG, GWRRA, American Legion Riders, LAMA Red Knights, ABATE, USAA, Rider Employee or AMA. Membership number is required.

Claims Free - A discount is applied to all renewal policies with no losses the prior 3 years with Rider.

Rider Experience - A discount of is applied on policies with operators with at least 3 years of on road riding experience.

Smart Rider - A discount is applied to each vehicle to which an applicant with no tickets and no at fault accidents within the last 3 years is assigned.

Anti-Lock Brake - A discount is applied on all vehicles with anti-lock brakes. Automatically applied based on Highway Loss Data Institute (HLDI) database.

Anti-Theft - A discount is applied to the comprehensive coverage on all vehicles with a permanently installed anti-theft device.

Safety Course - A discount is applied to each vehicle to which an applicant who has completed a safety course is assigned. A completion certificate must be provided. Discount is good for 3 years from completion date.

Safety Instructor Course - A discount is applied to each vehicle to which an applicant who has completed a safety instructor course is assigned. A completion certificate must be provided. Discount is good for 2 years from completion date. If this discount applies then the safety course discount does not also apply.

Motorcycle Driver’s License - A discount is applied to the vehicle(s) to which an applicant who has a valid motorcycle endorsement is assigned. Discount varies based on vehicle type.

Indiana Motorcycle Insurance

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