All policies include uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault for an accident. In return for a lower premium, reduced limits are available upon request.
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 policy of insurance provides Medical Payment Coverage according to the laws of Pennsylvania. 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.
The State of Pennsylvania requires that all motorcycle operators carry minimum liability coverage. The State of Pennsylvania minimum requirements are $15,000 bodily injury, $30,000 each accident, and $5,000 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.
$25,000 Bodily Injury - Each Person
$50,000 Bodily Injury - Each Accident
$10,000 Property Damage
$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
There are additional liability options. For additional information regarding these options read below.
• Get Home Safe® – We’ll cover your cab fare home once per policy per year up to $50 if you don’t feel safe riding (excluding mechanical breakdown). 1
• Mobile-Friendly Account Access – Accessing your policy is fast and easy with Manage Your Policy, eDocuments and more.
• Pledge of Assurance® – If we ever fall short of our set customer service standards, we’ll make a $25 contribution to your choice of a select group of charities.
1st Party Medical Payments:
This is an optional coverage which pays medical bills for the operator and passengers in an accident. The coverage is provided regardless of fault. Limit options range from $3,000 to $25,000.
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.
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.
*Certain restrictions apply.
*Available to customers who have purchased comprehensive or collision coverage.
Certain restrictions and limitations apply. Refer to the language issued in your policy or speak with your agent for complete details.
1 - Get Home Safe: Policyholders may be reimbursed up to $50 for the cost of a taxi or car service ride once per policy per year for a one-way ride if they find themselves in a situation where it would be unsafe to operate their motorcycle (not applicable to mechanical breakdown). Original receipt must be submitted with the reimbursement form.
2 - Roadside assistance is provided by Quest Towing Services (QTS). Cost of fluids will be responsibility of policyholder. At no charge to the policyholder, a tow will be provided to any qualified repair facility of policyholder's choice within a 35 mile radius of the motorcycle's disablement location. If the policyholder requests to be towed to a destination beyond 35 miles, the policyholder will be responsible to pay the tower at the time of tow the difference in cost from the nearest qualified repair facility within 35 miles and the tow destination they requested. Winching (usually defined as 25 to 30 feet from road depending on tower’s equipment) will be included in the Roadside Services provided for passenger motorcycles. Roadside assistance service for motorcycles does not include services for motorcycles used off-road, trailers used to haul motorcycles, or any service that is reasonably non-accessible to towers. A $75 limit applies to reimbursements for roadside assistance services that were not obtained by contacting QTS. Policyholder is solely responsible for payment directly to the service provider for any fees for accommodations arranged by Concierge Services. A maximum amount of $150 will be reimbursed if the service provider is unable to provide assistance due to specific highway towing restrictions. A copy of the receipt is required.
Important: 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 actual terms, conditions and exclusions which apply to a specific insurance policy.