Motorcycle Insurance: Standard Coverages Part 1

Note: Motorcycle insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and will work with you to find the insurance carrier that is the best fit for you. 

Motorcycles are for adventures. They are for long drives down tree lined country roads. They are for hitting the rugged trails with friends. Motorcycles are for solo rides at dawn. 

No matter where your motorcycle excursions take you, be sure to have peace of mind knowing you and your motorcycle are covered in the case of an unfortunate event. 

Motorcycle insurance offers both standard coverage and optional coverage. Listed below are the usual coverages included in standard coverage. 

Take a moment to think about the medical expenses that could add up quickly in the event of a motorcycle accident.  

    • Medical payments pay for the medical bills when you or someone else is injured. 

Also think about the out-of-pocket expense of having to be financially responsible for paying for damages or bodily injuries of another person if you are found liable in a motorcycle accident.

    • Bodily injury and property damage liability pays for the damages and/or injuries of a vehicle or another driver. This coverage can also cover the expenses if you are sued. 

Now think about the financial burden that you could find yourself in if your motorcycle were stolen, vandalized or if you got in an accident. 

    • Comprehensive and collision pays for repairs to your motorcycle or the replacement of your motorcycle when damages occur from such events as vandalism or fireCollision pays for repairs or replacement when you are involved in an accident.

Lastly think about the financial bind you could find yourself in if you were to get in an accident with an uninsured or underinsured motorist. 

    • Uninsured and underinsured motorist pays for medical bills incurred due to bodily injury or bills from damages to your motorcycle that the motorist at fault I unable to pay for 

Obtaining motorcycle insurance ensures peace of mind while enjoying one of your favorite past times; riding your motorcycle. Contact Engarde Financial Group at 412-533-2373 to discuss motorcycle insurance today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

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