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Motorcycle Insurance

motorcycle insuranceThere’s a sense of freedom driving down the road that can’t be fully explained. As a motorcycle driver, you know this freedom requires being constantly alert to what’s going on around you because you’re out in the open. We know you want to enjoy riding without worrying about problems. Having motorcycle insurance can help that experience by knowing that you and anyone riding with you is protected should an accident happen.

understanding motorcycle insurance coverage

Motorcycle insurance works very similar to auto insurance to help financially protect you and those you care about. Depending on the coverage options you select, your insurance can:

  • Pay for damage and repairs to your motorcycle resulting from an accident.
  • Cover accident damage to another vehicle or other property.
  • Cover medical expenses associated with an accident.
  • Pay for losses caused by underinsured or uninsured drivers.
  • Reimburse you for damages suffered because of vandalism, natural disasters or theft.
  • Pay for legal costs related to a motorcycle accident lawsuit.

Motorcycle insurance can seem confusing. But once you understand the different types of coverages that make up your policy, it’s not hard at all.

Motorcycle insurance is really made up of 12 distinct parts that divide into two categories: Compulsory Insurance and Optional Insurance. The first four parts are Compulsory coverages required by Massachusetts law. The other eight are Optional; however, they provide additional insurance protection.

A brief explanation of each coverage part is listed below.

compulsory (required) insurance:

bodily injury to others

This coverage pays for damages if you are legally responsible for an accident in Massachusetts injuring someone else other than passengers on your motorcycle. It also provides for legal defense and court costs.

personal injury protection

This is commonly known as “No-Fault” and provides benefits including medical expenses, lost wages, and replacement cost services.

bodily injury caused by an uninsured vehicles

Pays damages for bodily injury resulting from certain accidents caused by uninsured vehicles or in a hit-and-run situation.

property damage

This coverage pays for damages to someone else whose vehicle or other property is damaged in an accident if you, a household member or someone using your motorcycle with your consent is legally responsible.

optional insurance:

optional bodily injury to others

Pays for damages to people injured or killed in an accident if you, a household member or someone else using your motorcycle with your consent is legally responsible for the accident. Unlike the Compulsory part, this coverage does provide coverage for injuries to guest occupants and for accidents occurring outside of Massachusetts.

medical payments

This coverage pays for reasonable expenses for necessary medical and funeral services for yourself and your passengers incurred as the result of a motorcycle accident. It also covers expenses if you or a household member is struck by a vehicle or a passenger in another vehicle at the time of an accident.


This coverage pays for any direct and accidental damage to your motorcycle caused by a collision regardless of fault. It also covers damage to other private passenger autos being used by you or a household member with the permission of the owner.

limited collision

This coverage will pay in some situations for direct and accidental damage to your motorcycle caused by a collision. Coverage is only provided for multiple car accidents in which the driver of the motorcycle we are covering was no more than 50% at fault.


This is not a substitute for Collision or Limited Collision. This will pay for direct and accidental damage to or loss of your motorcycle in non-collision situations including vandalism, theft, fire, wind, hail, flood, hitting an animal and others.

substitute transportation

This coverage reimburses you, up to the limits shown on the Coverages Selections Page, in certain situations if your motorcycle was in a collision and is being repaired or replaced.

towing and labor

This coverage pays for motorcycle towing and labor due to a breakdown even if there isn’t an accident. Coverage is up to the limit shown on the declaration page.

bodily injury caused by an underinsured vehicle

This coverage pays for damages for bodily injury or death as the result of certain accidents caused by someone who does not have enough insurance.

custom equipment coverage

If your motorcycle has permanently attached custom equipment such as after factory parts, saddle bags, etc., speak with your insurance professional and provide receipts of the cost of these items to ensure their value is included in the total value of your motorcycle.  Without proper documentation, after factory parts may not be covered.


NOTE: This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. For further information contact a Murphy Insurance Agency Associate.