Motorcycle Insurance Coverage
Whether you're a brand-new rider just getting comfortable on two wheels or a longtime enthusiast with a garage full of bikes, The Fortis Insurance offers motorcycle coverage built around the way you actually ride. We insure a wide range of motorcycle types to match your specific machine.
Motorcycle Types We Cover
Do You Need Motorcycle Insurance?
Motorcycle insurance provides financial protection if you're involved in an accident, and it's a legal requirement in most states. Required coverage limits vary by state, so checking with your local Motor Vehicle Department is a good first step to understanding your minimum obligations.
- Most states require at least liability coverage for any motorcycle operated on public roads.
- Specific coverage limits and requirements differ from state to state - verify your local regulations.
- Beyond the legal minimum, you can customize your policy with additional coverages tailored to your riding habits and the value of your bike.
How Does Motorcycle Insurance Work?
Motorcycle insurance functions similarly to auto insurance, combining state-mandated coverages with a range of optional add-ons you can select based on your needs.
Required Coverages
Most states mandate liability coverage, which addresses damages or injuries you cause to others in an accident. This is typically the baseline requirement to legally operate your motorcycle.
Optional Coverages
Beyond the legal minimum, you can add coverages that protect your own motorcycle, any aftermarket accessories you've installed, and even towing or roadside assistance for when the unexpected happens on the road.
By combining required and optional coverages, you can build a policy that reflects how often you ride, the type of motorcycle you own, and the level of protection you want for yourself and your bike.
What Does Motorcycle Insurance Cover?
No one plans on a crash or a theft, but having the right coverage in place means you're protected if it happens. A well-rounded motorcycle policy benefits you, your bike, and others sharing the road. Here are the coverages commonly included or available.
Accessories Coverage
Protects aftermarket additions to your motorcycle - such as saddlebags, backrests, custom seats, chrome accents, and CB radios. This coverage requires that you carry comprehensive or collision coverage on your policy. Collision coverage can also extend to your helmet. Coverage amounts vary by state.
Bodily Injury Liability
Covers costs if you injure or cause the death of another person while operating your motorcycle, and provides legal defense if you're sued as a result of the accident. Multiple limit options are available to fit your needs.
Collision Coverage
Pays for covered damage to your motorcycle when it collides with another vehicle or object, regardless of fault.
Comprehensive Physical Damage Coverage
Covers losses from non-collision events such as theft, fire, or vandalism - protecting your bike from risks beyond the road itself.
Medical Payments / Personal Injury Protection
Provides medical coverage for you and your passengers following an accident, regardless of who was at fault. Availability varies by state.
Property Damage Liability
Covers damage you cause to someone else's property while riding, and provides legal defense if a related lawsuit is filed against you. Multiple coverage limits are available.
Towing and Labor
Offers assistance for situations like a dead battery, flat tire, or breakdown - including jump starts, towing, and other roadside services.
Uninsured / Underinsured Motorist Coverage
Covers your injuries if you're involved in an accident caused by a driver who carries no insurance or insufficient coverage, through no fault of your own.
Why Choose The Fortis Insurance for Motorcycle Coverage?
Whether you ride every weekend or every chance you get, The Fortis Insurance offers motorcycle coverage built to protect your ride without straining your budget.
Customizable Coverage
Choose the specific coverages, limits, and deductibles that match your bike and riding style - no generic, one-size-fits-all policies.
Flexible Payment Plans
Select a payment schedule that fits your budget, with options designed to make coverage accessible regardless of how you prefer to pay.
Available Discounts
Qualifying riders may be eligible for discounts that help lower their overall motorcycle insurance premium.
Support for New Riders
If you're new to motorcycling, our team can help guide you through the basics of coverage so you can start your riding journey with confidence.
Frequently Asked Questions
Ready to ride?
GEAR UP AND RIDE WITH CONFIDENCE - GET COVERED TODAY.
Whether you're commuting on a scooter or cruising cross-country on a touring bike, The Fortis Insurance has motorcycle coverage built for your ride. Customize your policy and protect what matters on every trip.
Get a Motorcycle Insurance Quote