To use this feature, four things need to happen:
1. It has to be the only accident in 48 months where you were at fault—on any motorcycle.
2. Your motorcycle insurance policy with Allstate needs to be at least 48 months old.
3. Both the bike and the driver have to be covered when the accident happens.
4. The covered driver can't be charged with any major traffic violation related to the accident.

If you have insurance through Allstate, this feature can typically help. Your motorcycle insurance policy automatically comes with $1,000 of coverage on after-market upgrades. And you can buy extra coverage that raises the limit up to $30,000.

This feature typically reimburses you for the costs of towing and the related labor. Policies for Harley-Davidson, Touring and Touring Sport include this coverage automatically. You can also buy the coverage for other types of bikes.

If you've got Lease/Loan Gap Coverage, Allstate will usually pay the difference between your motorcycle and the balance of your loan or lease. To get this coverage, you need to have Comprehensive and Collision Coverages on the same policy.

You can typically take advantage of this coverage only if you've made a claim for Collision or Comprehensive Coverage.