Property Damage Liability Coverage is designed to cover the property damage sustained by your motorcycle due to the fault of the negligent driver involved in your accident. We understand that as a rider, nothing can replace your motorcycle. However property damage is a way to pay for the repairs or even the replacement of your damaged motorcycle to get you back on the road.
Bodily Injury (BI) Liability Coverage is the coverage we are seeking from the “at-fault” owner and driver that caused the accident. If you were injured in a motorcycle accident due to someone else's negligence, you may be eligible to receive compensation from the “at-fault” owner and driver's BI Coverage.
Uninsured Motorist (UM) Coverage protects you from the negligence of drivers who may not have BI insurance or have insufficient BI coverage. Having UM coverage in your insurance policy is crucial to ensure you have financial resources to treat your injuries if you are involved in an accident caused by an uninsured or underinsured driver. Review your policy to confirm if it includes Uninsured Motorist Coverage.