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Motorcycle Insurance by Innovative Insurance Services, LLC

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motorcycle insurance

Motorcycle Insurance provided by Innovative Insurance Services, LLC

A motorcycle insurance policy helps protect you and your motorcycle, whether you are enjoying a long summertime ride or you have your bike stored away for the winter. You’re passionate about your bike, so we dig deeper to offer a wide range of coverages.

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Uninsured/Underinsured Motorist Coverage

Risk Factors

You are hit by another vehicle while on your motorcycle and need to have multiple surgeries totaling $60,000.  The driver that hit you only carries $30,000 in Bodily Injury Insurance coverage.


If you have Uninsured/Underinsured Motorist coverage on your motorcycle policy, you can collect under your own policy up to the limits chosen if the at-fault driver doesn’t have enough coverage.

Property damage to others Coverage

Risk Factors

While driving your motorcycle, you may meet an accident and cause damage to someone’s personal property


Liability insurance covers property damage that you may cause to other people involved in an accident. It will also provide compensation in the event that you cause damage to another person’s property.

Guest Passenger liability Coverage

Risk Factors

You are involved in an accident while riding your motorcycle and your passenger is injured.’ 


You can get coverage from Guest Passenger Liability where your Motorcycle insurance provides protection in the event that a passenger is injured on your motorcycle.

Insured’s Motorcycle damage Coverage

Risk Factors

An animal runs into the road in front of your motorcycle.  To avoid a collision, you lay down your bike which in turn causes damage.


If you carry collision coverage, damage to your motorcycle is covered after paying your policy deductible.’

Theft Coverage

Risk Factors

Someone breaks into your garage and steals your motorcycle


If you carry comprehensive coverage, the policy will pay the current market value of your motorcycle so that you can purchase another one.’

What is motorcycle insurance?

Motorcycle insurance is similar to auto insurance. There are some coverages that are required by the state and others that may be optional. Liability coverages are usually required by the state and generally provide coverage for damages or injuries you may cause to others in an accident.

There are other coverages you can add to cover damages to your motorcycle, accessories you have added, and even coverage to help provide towing and roadside assistance. You can choose optional limits and coverages to personalize your policy to meet your needs.

What are the types of motorcycle insurance?

Motorcycle insurance coverage benefits you, your bike, and others on the road. Types of Motorcycle Insurance policy include:

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover injury to you or damage to your motorcycle.

Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages (usually the book value of your bike before the loss occurred), minus your deductible.

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Coverage for customized motorcycle parts. Many comprehensive and collision policies will only cover the factory standard parts on your motorcycle, or they will limit the coverage.

Uninsured/underinsured motorist (UM/UIM) coverage pays for damages to you and/or your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured). UM/UIM policies typically pay for medical treatment, lost wages and, in some cases, property damage.

Special Coverages:

  • Accessories coverage
  • Helmet Coverage
  • Emergency Roadside Service

Why is Motorcycle Insurance important?

As a motorcycle rider, you should take care and show caution every time you are on the road. You should think about your life, your bike, and the lives of others. Motorcycle insurance is a great way to protect you against loss if you are in an accident. There are several reasons it is important for bike riders to secure and maintain motorcycle insurance.

  • Medical bills can pile up
  • Injury to Others
  • Collision Coverage
  • Total Loss Policies

Protect yourself and your ride with customized protection. Keep in mind, there are many coverages available  and it can be confusing. Wondering which coverages are the best fit for you and your ride? Check with us to find all the information you need to hit the open road without worry.

Already have Motorcycle Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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