Definitions Of Motorcycle Coverage Words/Phrases

For a more detailed explanation of these definitions, feel free to contact us or chat live with one of our customer service representatives.

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BI Coverage
Coverage purchased to reimburse anyone the insured injures in an accident. Select the coverage limits that best protect the insured.

Collision Coverage
Select the desired Collision deductible amount. Collision coverage will not be written without Comprehensive coverage.

Comprehensive Coverage
Select the desired Comprehensive deductible amount.

Motorcycle does not offer Comprehensive only policy. At a minimum, Liability and Comprehensive must be purchased.

Custom Parts or Equipment
Always enter the TOTAL value of Custom Parts or Equipment (CPE) on the bike or ATV. We will not charge for the first $1,000 of CPE coverage. Custom Parts and Equipment coverage may be purchased on any vehicle when Comprehensive Coverage or Comprehensive and Collision is selected.
Coverage provides physical damage protection to equipment, devices, accessories, enhancements, and changes, other than those which are original manufacturer installed, which are permanently installed or attached, and alter the appearance or performance of the vehicle.
This includes, but is not limited to:

  • Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those which are original manufacturer installed, that are permanently installed on the motorcycle using bolts or brackets, including slide-out brackets i.e. fairings, handlebars, seats, windshields, etc
  • Sidecars
  • Trailers designed to be pulled behind a motorcycle or ATV
  • Trike conversion kits
  • Custom paint, custom plating or custom exhaust
  • Mower blades, plow blades or winches


Deductibles are the same as Comprehensive and/or Collision.

Please Note: Insured must retain receipts. It is also recommended they retain photos of the motorcycle. It is incumbent upon the insured to prove value of all CPE at time of loss. It is optional for agents to keep copies of CPE receipts in the insured’s file; additional documentation helps expedite loss settlements.

Safety Riding Apparel, including helmets, leathers, riding boots, etc., is automatically provided in the event of a Collision Loss. Theft is not covered.

Medical Benefits Coverage

Medical Benefits Coverage pays for medical expenses for the named insured and resident relatives of the named insured who are riding the insured vehicle and injured as a result of an accident. The limit applies to each covered and injured person. Coverage is only extended when no other motor vehicle insurance coverage applies.
In the event of a motorcycle versus automobile accident in Michigan, Medical Benefits Coverage will not be provided as the insurer for the automobile pays PIP benefits for the motorcyclist and passengers, regardless of fault.
House Bill 5623 requires that Medical Benefits Coverage be offered in Michigan. See policy contract for specific exclusions and time limitations on incurred expenses.

Medical Payments Coverage
Medical Payments Coverage pays for medical expenses for the named insured and resident relatives of the named insured who are riding the insured vehicle and injured as a result of an accident. The limit applies to each covered and injured person. Coverage is only extended when no other motor vehicle insurance coverage applies.
See policy contract for specific exclusions and time limitations on incurred expenses.

Property Damage
Coverage purchased to reimburse for property damage that the insured may cause in an accident.

Roadside Coverage
Roadside Assistance Coverage provides towing TO THE NEAREST QUALIFIED REPAIR FACILITY and necessary labor at the place of disablement when the vehicle is disabled due to mechanical or electrical breakdown, battery failure, flat tire, lockout, insufficient supply of fuel, oil, water or other fluids, or entrapment in snow, mud, water or sand within 100 feet of the roadway. Immediate Sign & Drive roadside assistance can be obtained 24 hours a day 7 days a week, anywhere in the U.S. or Canada.

Transport Trailer Physical Damage Coverage
Enter the value of your Transport Trailer.

Transport Trailer Physical Damage Coverage provides Comprehensive and Collision coverage to your transport trailer. A transport trailer is any non-motorized trailer pulled by a car, truck or motorhome and is designed for transporting a motorcycle, ATV, dirtbike, etc. listed on the motorcycle policy. Only one transport trailer available per policy. Up to $10,000 of coverage is available. In the event of a claim, it will be the insured's responsibility to verify the value of the transport trailer.

UMBI COVERAGE

Select the appropriate Uninsured Motorist limits from the selection list.