Michigan Motorcycle Insurance

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

Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in Michigan. All of our insurance policies insure motorcycles and ATV/Off-Road vehicles 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 policies, including moped policies, include uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy, unless you choose lower limits. Uninsured Motorist coverage allows you to obtain payment for damages to your vehicle or injuries caused by an uninsured motorist who is at fault for an accident. Underinsured coverage allows you to obtain payment for injuries caused by an underinsured motorist who is at fault. For a lower premium, you have the option to reduce or reject this 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.

This is an optional coverage which pays medical bills in the event you get injured in an accident. The coverage is provided regardless of fault. The basic limit is $5,000. You may purchase a $10,000, $15,000 or $20,000 limit for an additional premium.

Insurance Coverage Packages & Options

The State of Michigan requires that all motorcycle operators carry minimum liability coverage. The State of Michigan minimum requirements are $20,000 bodily injury, $40,000 each accident, and $10,000 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

 

Basic:
The Basic coverage package includes Liability coverage with the limits of your choice without UM/UIM.

Standard: 
The Standard coverage package includes Liability coverage with the limit of your choice and UM/UIM.

Standard Plus*: 
The Standard Plus coverage package includes Liability coverage with the limit of your choice, UM/UIM and Comprehensive (including fire and theft) without Collision coverage. 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.

Premium*:
The Premium coverage package includes State Required Liability coverage, UM/UIM and Comprehensive (including fire and theft) with Collision coverage. Policy limit for Collision and Comprehensive coverages is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for these coverages.

Premium Plus*:
The Premium Plus coverage package includes Liability coverage with increased limits of your choice, UM/UIM and Comprehensive (including fire and theft) with Collision coverage. Policy limit for Collision and Comprehensive coverages is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for these coverages.

* In Michigan, you also have the option to purchase rental reimbursement coverage if you select the Standard Plus or Premium Packages.

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 (except in Virginia) with the Standard Plus and Premium Packages insuring a non-sport bike or non-high performance bike 551ccs or over, at no additional cost. This includes customized parts and equipment, paint, helmet coverage, safety apparel and trip interruption. The coverage is in excess of the up to $45,000 limit on the Standard Plus and Premium Packages.

Rider Accessory Package Detailed Description

Note: The Rider Accessory Package does not apply to any bike classified as a sport or high performance motorcycle.

This coverage is provided on all policies with the Standard Plus and Premium Packages. 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.

Rider Helmet, Motorcycle Safety Apparel and Trip Interruption Coverage Description

Michigan Motorcycle Insurance

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