There’s an indescribable sense of freedom that comes with driving down the open road. As a motorcycle rider, you know this freedom comes with the responsibility of staying constantly aware of your surroundings. We want you to fully enjoy your ride, and with motorcycle insurance, you can ride with confidence, knowing that you and your passenger are protected in case of an accident.
Murphy Insurance understands the particulars of Motorcycle Insurance and can provide you with a policy that protects you.
Understanding Motorcycle Insurance Coverage
Motorcycle insurance works very similarly to auto insurance because it helps 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 from vandalism, natural disasters, or theft.
- Pay for legal costs related to a motorcycle accident lawsuit.
Motorcycle insurance can seem confusing. But it’s easy once you understand the different types of coverage that make up your policy.
Motorcycle insurance consists of 12 distinct parts, divided into two categories: compulsory and optional. 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 part of the coverage 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 that injured someone 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 accidents caused by uninsured vehicles or in a hit-and-run situation.
Property Damage
This coverage pays for damages to someone else’s vehicle or other property 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 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.
Collision
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 you or a household member use with the owner’s permission.
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 motorcycle driver we cover was no more than 50% at fault.
Comprehensive
This is not a substitute for Collision or Limited Collision. Comprehensive insurance 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, etc.
Substitute Transportation
This coverage reimburses you, up to the limits shown on the Coverages Selections Page, in certain situations if your motorcycle is in a collision and is being repaired or replaced.
Towing & Labor
This coverage pays for motorcycle towing and labor due to a breakdown, even without 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 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 professional.
Insurance Companies
At Murphy Insurance, we work with top rated insurance companies and compare options to find the best balance of cost and coverage that meets your needs.
Read Our Motorcycle Insurance Blog Posts
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Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.
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