Motorcycle Insurance

We provide coverage for motorcycles. We also can coordinate your entire insurance program to include your auto, home, business, and other property. 

Choosing the right insurance policy is much like choosing the right bike. You want it to fit your needs and lifestyle, but at the same time be within your budget. The key to finding which coverage is best for you involves learning about all the options available.

Liability Coverage: 

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes guest passenger liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.

Comprehensive Coverage: 

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft, or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and cover only the book value of the motorcycle. Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your bike. If you decide to add on any additional optional accessories such as chrome parts, a custom paint job, trailers, or sidecars, you need to look into obtaining additional equipment coverage.

Collision Coverage:

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Uninsured & Underinsured Motorist Coverage: 

Uninsured Motorist Coverage

Uninsured motorist coverage pays for medical treatment, lost wages, and other damages if a driver who has no insurance hits you. If your uninsured motorist coverage includes property damage, then your cycle would also be covered under the same circumstances. Check with our staff to see if property damage is included or needs to be purchased separately.

Underinsured Motorist Coverage

Underinsured motorist coverage is similar to uninsured motorist coverage, except it applies when the damages exceed the other party's limits. 

 
1905 Stadium Drive
Bozeman, Montana 59715
 
Phone:  406-587-5111
Toll Free: 800-606-9378
Fax:  406-587-9162

24-Hour Client Access

  • Issue Auto ID Cards
  • Issue Insurance Certificates
  • Request Changes
  • Access Policy Information

Insurance News

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