Motorcycle Insurance

As our life styles change and additional forms of recreation become popular, the items used for recreation seem to be more valuable and as such the need for insurance coverage has increased.

In most cases anything that has a license or a DNR (Department of Natural Resources) permit will need its own separate insurance coverage for physical damage as well as the potential liability exposure that it might have.

Individual policies can be provided and coverages similar to those included on an automobile policy can be included for the motorcycle policy.  

DSC04484Typically a motorcycle policy will include some or all of the following coverages:

  • Liability 
    • This coverage protects you for the legal liability you incur due to an accident that involves injury or damage to property.
  • Physical damage 
    • Comprehensive
      • This covers your motorcycle in the event of damage caused by fire, theft, vandalism, or animal.
    • Collision
      • This covers your motorcycle in the event of damage caused when you collide with another object  such as other motorized units, trees, and a variety of other items.
  • Medical payments 
    • Medical bills related to a motorcycle accident would be paid up to the coverage limit if this coverage is selected
  • Uninsured/Under Insured Motorists 
    • This coverage is paid to the policy holder for lost wages and medical treatments you would have received from the other party if they would have had a policy in force. This usually occurs when the other party in the accident is legally liable due to their actions.
  • Other optional coverages applicable to the specific unit to be insured

The following discounts may be available depending upon the company providing the coverage as well as the type of unit being insured.

  • Clean driving records
  • Limited horsepower
  • Multi-unit discounts
  • Safety course completion credits
  • Supporting coverage discounts

Special Coverages We Would Suggest

Although medical payments and uninsured/underinsured motorists coverage are not required for Minnesota motorcycle insurance policies, we feel these are some of the most valuable parts of the policy and we strongly encourage our clients to include them.

If you think about the risk of injury relative to the use of a motorcycle - we believe that you will see the need to have medical coverage as a part of your policy. Minnesota law does not require any form of medical coverage on the motorcycle insurance policy, so when you are looking at purchasing coverage you should seriously consider the need to include some level of medical payments in the policy. Minnesota law does require medical under your personal auto policy through inclusion of PIP - Personal Injury Protection with a base medical coverage level of $20,000. It seems strange that some form of medical is not mandatory on the motorcycle policy if it is required on an auto policy. 

For the uninsured/underinsured coverage we believe that if an accident occurs between a motorcycle and a vehicle, the motorcycle operator is likely to be at greater risk of injury than the individuals in the vehicle. If the vehicle is at fault and doesn't have insurance or does not have enough insurance the uninsured/underinsured motorists coverage would be applicable. Again, Minnesota law does not require this coverage for the motorcycle policy, but we see it as one of the most valuable parts of the policy. 

Custom parts and equipment

This coverage is applicable to equipment, devices, accessories, enhancements and changes other than those which are original manufacturer installed, which alter the appearance or performance of the unit. This includes:

  • Electronic equipment such as radios or communication devices which are permanently installed on the unit.
  • Sidecars
  • Trailers designed to be pulled behind the unit.
  • Custom paint or chrome.
  • Safety riding apparel, including helmets - these items will only be covered for a collision loss as theft is not included.
  • Roadside Assistance/Towing. This coverage provides towing to the nearest qualified repair facility and necessary labor at the time and place of disablement when the unit is disabled due to: mechanical or electrical breakdown, dead battery, flat tire, lockout, insufficient supply of fuel, oil, water or other fluids, or entrapment in snow, mud, water or sand so long as it is within 100 feet of the roadway.
607 Northwest 5th Street Grand Rapids, MN 55744
218-326-0563 -

Located in Grand Rapids Minnesota, situated in the middle of Minnesota's lakes and forests. In addition to personal insurance coverages which include life, auto, home, and recreational vehicle coverages, we also specialize in coverage for the timber industry.