Allstate Rider ProtectionSM
Allstate Rider Protection takes motorcycle insurance coverage to the next level, covering both your bike and its most important feature—you.
Accident Protection
Hit something and your bike probably needs repairs. Collision coverage typically covers the damage if you collide with another object (car, motorcycle, tree, building, etc.).
Everything Else Protection
Sometimes a bike gets totaled while it’s sitting parked. Comprehensive Coverage typically pays for damage or loss caused by something other than a collision, including theft, fire, vandalism, windstorm, or hitting an animal.
Protection from the Other Guy
Sometimes “the other guy” doesn’t have enough insurance—or (shudder) any insurance at all. Uninsured/Underinsured Motorist coverage helps pay your medical expenses and covers damage to your bike if a person with little or no insurance hits you.
Protection from Medical Bills
After an accident, the last thing you need to worry about is paying your medical bills. Motorcycle Medical Payments Coverage typically helps pay for injuries from an accident, including ambulance, hospital, x-ray, dental, and surgical.
Passenger Protection
Guest Passenger Liability protects guest passengers who share a ride with you.
Rising Premium Protection
Accidents happen. Adding First-Accident Waiver coverage means your premium won’t go up after your first accident.
After-Market Protection
Custom everything? Optional or Added Equipment coverage protects you with up to $30,000 of extra coverage.
Breakdown Protection
Towing & Labor Costs coverage reimburses you for towing costs and related labor.
Balance Due Protection
What’s worse than totaling your bike? Totaling it before it’s paid off. Lease/Loan Gap Coverage typically pays the difference between your loan or lease balance and your bike’s worth. Important note: both Comprehensive and Collision coverages must be on the same policy.
Replacement Ride Protection
If your ride’s out of commission, Rental Reimbursement can help cover rental car costs. Important note: you typically have to make a Collision or Comprehensive Coverage claim to take advantage of Replacement Ride Protection.