Peggy Romero & Associates can help you choose Oregon motorcycle insurance that fits you perfectly. There’s no way around it: Anytime you’re on the road, there’s a chance you might get injured. One of the most important things you can do is make sure your motorcycle insurance coverage can help with medical bills if you should get into an accident. We can customize your policy with these special features.
For information on keeping yourself safe while riding a motorcycle, check out our Motorcycle Safety Page at our Learning Center
Medical Payments typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.
Nobody wants to think about what happens ff your bike gets stolen or has to spend time in the shop. Our Rental Reimbursement feature usually helps cover the cost of a rental. You can typically take advantage of this coverage only if you’ve made a claim for Collision or Comprehensive Coverage.
Towing and Labor Costs
Don’t worry about the cost of getting it home or to the shop if your bike is in an accident or breaks down. This feature typically reimburses you for the costs of towing and the related labor. Policies for Harley-Davidson, Touring and Touring Sport include this coverage automatically. You can also buy the coverage for other types of bikes.
Accidents happen-we understand. And we’ll prove it to you by forgiving your first accident and not raising your motorcycle insurance premium. To use this feature, four things need to happen:
- It has to be the only accident in 48 months where you were at fault-on any motorcycle.
- Your motorcycle insurance policy with us needs to be at least 48 months old.
- Both the bike and the driver have to be covered when the accident happens.
- The covered driver can’t be charged with any major traffic violation related to the accident.
It doesn’t always take two vehicles to make an accident. Comprehensive Coverage typically covers your bike if it’s damaged by:
- Some other reason that doesn’t involve a crash with another vehicle
You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.
A collision almost always means damage to your motorcycle. And that’s just what this coverage is for.It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.
Personal Injury Protection
If you’re hurt in an accident, or worse, expenses could add up faster than you imagine. That’s where this coverage can help, with reimbursements for:
- Medical and hospital expenses
- Lost income
- Services you would normally do yourself
- Funeral expenses
- Child care expenses
You’re typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states.
Take care of your bike and it’ll take care of you, right? There are three kinds of motorcycle insurance coverage that typically help get your bike back on the road.
Optional or Added Equipment
You’ve spent thousands getting your bike perfect- a sweet custom paint job, one of a kind seat, ape-hangers, crash bars, whatever. What happens if it gets stolen or totaled? If you have insurance through us, this feature can typically help. Your motorcycle insurance policy automatically comes with $1,000 of coverage on after-market upgrades. And you can buy extra coverage that raises the limit up to $30,000.
Uninsured/Underinsured Motorist Bodily Injury
If an accident isn’t your fault, you don’t want to pay for the other guy’s mistake. Especially if he doesn’t have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.If you’re in an accident, there’s a good chance someone else was involved. And if you’re at fault, you’ll want strong motorcycle liability insurance.
Property Damage Liability
If you’re at fault in an accident and cause damage to others’ property, Property Damage Liability Coverage typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences, and storefronts and other structures.
Bodily Injury Liability
If you’re at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering. (In most states, bodily injury to guest passengers on your motorcycle is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to guest passengers.)
*In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.
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