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West Virginia motorcycle insurance

WHAT WE INSURE : WEST VIRGINIA

West Virginia Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options

ATTENTION: Read This Important Statement

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.

 

 

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

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

All of our insurance policies include the following:

Uninsured Motorist Coverage/Underinsured Motorist Coverage

All policies include uninsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This 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. There is a separate coverage called underinsured motorist coverage. West Virginia does not require you to have this. We include it in our quotes unless you tell us not to do so. Underinsured motorist coverage allows you to obtain payment from us if the person who caused the accident does not have enough insurance to cover your damages. In return for a lower premium, reduced limits are available upon request.

Bodily Injury and Property Damage Liability 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.

Medical Payment Coverage

Your policy of insurance provides Medical Payment Coverage according to the laws of West Virginia. Medical Payment Coverages apply only to pedestrians when struck by your motorcycle. Medical Payment Coverages pay the cost of treatment up to $5,000 for the pedestrian from hospitals, doctors, and other medical providers. Medical Payment Coverage is not provided for vehicle operator or passenger.

Many Rider customers inquire about medical payment coverage for the motorcycle operator. While this option is not currently available, Rider is pleased to refer our customers to AFLAC® to consider AFLAC’s Accident Indemnity Plan. Although it is not health insurance, it is designed to put money back into your household for you to use however you see fit. It covers a wide variety of accidents, from as small as cutting your finger and needing stitches, to as big as a motorcycle/car accident.

If you would like to find out more information, please click on the Aflac Learn More button below.

Aflac Learn More

 

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LIABILITY COVERAGE

The State of West Virginia requires that all motorcycle operators carry minimum liability coverage. The State of West Virginia 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.

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

 

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QUALITY-PLUS PACKAGE

This package includes fire, theft, comprehensive, and collision coverage with the liability limits of your choice. Rider will pay up to $40,000 for any damages to or theft of an insured motorcycle, subject to your deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for this coverage.

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ACCESSORY COVERAGE

Up to $8,000 in accessory coverage is included on all policies with the Quality-Plus package insuring a non-sport bike or non-high performance bike 551ccs or over, at no additional cost. This includes customized parts and equipment and paint. The coverage is in excess of the up to $40,000 limit on the Quality-Plus package.

Please read the Rider Accessory Detail Package Description

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

HELMET, SAFETY APPAREL, & TRIP INTERRUPTION COVERAGE

This coverage is provided on all policies with the Quality-Plus package. 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.

Please read the Rider Helmet, Motorcycle Safety Apparel and Trip Interruption Coverage Description

ROADSIDE ASSISTANCE

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


DISCOUNTS

Rider offers motorcycle insurance discounts - click here for more information

 

 

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