Whether you ride a Harley-Davidson, cruiser, touring bike, trike, dirt bike, or another type of motorcycle, the right insurance coverage can help protect you, your motorcycle, and your financial interests on the road.
Mason-McBride Insurance works with Michigan motorcycle owners to evaluate coverage options based on the type of motorcycle you ride, how you use it, and the protection you need.
Request a Motorcycle Insurance Quote
Motorcycle Insurance Coverage
Motorcycle insurance can include several types of coverage designed to address different risks. The coverage available to you will depend on the policy, carrier, and your individual circumstances.
Depending on your needs, motorcycle insurance may include:
- Liability Coverage — May help address certain claims if you are legally responsible for bodily injury or property damage to others.
- Collision Coverage — May help pay for damage to your motorcycle resulting from a covered collision, subject to the policy terms and deductible.
- Comprehensive Coverage — May help cover certain types of damage to your motorcycle that are not caused by a collision, such as theft, vandalism, or specified weather-related events.
- Uninsured/Underinsured Motorist Coverage — May provide protection in certain circumstances involving an at-fault driver who does not have enough insurance or has no insurance, subject to the policy.
- Medical Payments Coverage — May help with certain medical expenses resulting from a covered motorcycle accident, depending on the policy.
- Accessory and Custom Equipment Coverage — May help cover certain permanently attached accessories, custom parts, or equipment, subject to policy limits and conditions.
Not every coverage is available on every policy, and limits, deductibles, exclusions, and eligibility requirements vary.
What Types of Motorcycles Can Be Insured?
Motorcycle insurance may be available for a variety of motorcycles and recreational vehicles, including:
- Street motorcycles
- Harley-Davidson motorcycles
- Cruisers
- Touring motorcycles
- Trikes and certain trike conversions
- Classic and vintage motorcycles
- Dirt bikes
- ATVs and other eligible recreational vehicles
The type of motorcycle, its value, how it is used, and other factors may affect eligibility and coverage options.
Motorcycle Insurance for Michigan Riders
Michigan motorcycle owners have unique insurance considerations, including the way motorcycle coverage interacts with Michigan’s auto insurance requirements.
If you own both a motorcycle and an automobile, it’s important to understand how the policies work together and whether your existing coverage adequately addresses your needs.
Mason-McBride can help you review your motorcycle insurance alongside your other personal insurance policies and identify areas that may warrant further consideration.
Get a Motorcycle Insurance Quote
Whether you’re purchasing your first motorcycle, adding another bike to your household, or reviewing your current coverage, Mason-McBride can help you evaluate your insurance options.
"*" indicates required fields