Bodily injury liability coverage
Helps cover things like medical expenses and lost wages that result from the injury or death of another driver when you're at fault. In some states, this liability extends to passengers on your motorcycle, too. In other states, guest passenger liability may be offered as a separate coverage. Note that this coverage does not pay for your own medical bills.
Property damage liability coverage
Helps cover damage to another person's property when you are at fault. For instance, it may help pay for repairs if you damage other vehicles, private residences, storefronts or other structures. This coverage does not pay for repairs to your own bike.
Medical payments coverage
Helps cover reasonable and necessary medical expenses, like ambulance rides and X-rays, that are the result of an injury to you or your passengers on your motorcycle.
Personal injury protection
This type of coverage can help reimburse you for medical bills, lost income, funeral expenses, childcare, and more if you're hurt in an accident. This protection is not available in all states.
Collision coverage
Covers damage to your motorcycle that result from a collision with another object, which can include a car or a motorcycle, a tree or a building. It can also cover an upset of your motorcycle, which can help cover your bike due to loss of footing, falling over or sliding out and making contact with the ground. You can choose your own deductible for this coverage.
Comprehensive coverage
Covers damages to your motorcycle not caused by a crash with another vehicle or other object — things like flooding, wind, vandalism and theft. You're typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.
Uninsured/underinsured motorist bodily injury coverage
If you get into an accident on your motorcycle and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passenger's.
Towing and labor coverage
Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident.
Rental reimbursement coverage
Helps cover the cost of a rental if your bike is stolen or being repaired in a shop.
Motorcycle and off-road vehicle transport trailer damage coverage
Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses, such as earthquakes and vandalism.
Lease/loan gap coverage
If your bike gets totaled or stolen, this pays the difference between what your motorcycle is worth and what you still owe on your loan or lease. To get gap coverage, you need to have comprehensive and collision on the same policy.
Optional or added equipment coverage
With Allstate, your policy automatically comes with $1,000 worth of coverage on aftermarket upgrades such as custom seats, crash bars and fairings. You can buy extra coverage up to $30,000. This includes any changes or enhancements made to your motorcycle that it did not come from the factory/manufacturer with, including dealer added upgrades at point of sale. This coverage also includes manufacturer branded accessories. Optional Equipment comes with the purchase of Comprehensive, but Collision Coverage must be present in addition for it also to apply to a Collision coverage loss.