Motorcycle Insurance Coverage
Nationwide offers many insurance coverage options to
protect you, your motorcycle and others. So you can
choose the motorcycle insurance that’s right for you.
Insurance coverage to protect your motorcycle
- Collision
- Theft
- Vandalism
- Damage caused by uninsured or underinsured
drivers
Insurance coverage to protect you and others
- Bodily injury
- Property damage
- Medical payments
- Uninsured and underinsured drivers
- Guest passenger liability
Special features
- Custom parts and equipment coverage (up to
$30,000)
- Roadside assistance
- Towing and labor
- Custom and limited edition bikes and trikes
coverage (up to $50,000)
- Kit and vintage bike coverage (up to
$30,000)
Learn more about motorcycle insurance
coverage
Liability coverage
Liability covers bodily injury to others and property
damage to others if you are at fault in an accident.
Bodily injury pays others’ medical costs. It can also
pay injured parties’ lost wages and your legal
expenses. Property damage coverage can also pay for
your legal expenses if a lawsuit is brought against you
due to an accident.
Many state laws require liability coverage. Each
state has its own minimum requirement.
Comprehensive coverage
Helps pay for damage to your vehicle not caused by
collision. Examples include: damage or loss due to
theft, vandalism, falling objects, fire, storms, flood
and certain other natural disasters. Comprehensive also
covers custom parts and equipment.
Collision coverage
Helps pay for damage to your vehicle if you hit
another vehicle, another vehicle hits you, or your
vehicle rolls over. Collision includes coverage for
safety apparel up to $2,000. Collision coverage can be
required if your vehicle is financed or leased.
Uninsured or Underinsured Motorist coverage
Helps pay for damages to your vehicle if it is
damaged in an accident by an underinsured, uninsured or
unidentified driver. Uninsured or Underinsured Motorist
Coverage also helps pay your medical costs and your
passengers’ medical costs if an accident caused by an
uninsured or underinsured driver results in injury. This
coverage may also pay for lost wages and other damages.
Coverage varies from state to state and is required in
some states.
Medical payments
Helps pay medical costs for you and your passengers
in the event of an accident, regardless of who is at
fault.
Towing and labor
Reimburses for towing and roadside assistance charges
if an insured vehicle is disabled. Typical services
include: battery jump-starting, tire changing, and
locksmith services.
OEM endorsement
Provides original equipment manufacturer replacement
coverage in the event of a comprehensive or collision
loss.
