Knowing Motor Cycle Insurance

There's no way around it: Anytime you're on the road, there's a chance you might get injured. One of the most important things you can do is make sure your motorcycle insurance coverage can help with medical bills if you should get into an accident.

Medical Payments

Medical Payments typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.

Personal Injury Protection

If you're hurt in an accident, or worse, expenses could add up faster than you imagine. That's where this coverage can help, with reimbursements for:

• Medical and hospital expenses
• Lost income
• Services you would normally do yourself
• Funeral expenses
• Child care expenses

You're typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states.

Take care of your bike and it'll take care of you, right? There are three kinds of motorcycle insurance coverage that typically help get your bike back on the road.

Collision

A collision almost always means damage to your motorcycle. And that's just what this coverage is for.

It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.

Comprehensive

It doesn't always take two vehicles to make an accident. Comprehensive Coverage typically covers your bike if it's damaged by:

• Flooding
• Wind
• Vandalism
• Theft
• Some other reason that doesn't involve a crash with another vehicle

You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.

Uninsured/Underinsured Motorist Bodily Injury

If an accident isn't your fault, you don't want to pay for the other guy's mistake. Especially if he doesn't have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.

If you're in an accident, there's a good chance someone else was involved. And if you're at fault, you'll want strong motorcycle liability insurance.

Property Damage Liability

If you're at fault in an accident and cause damage to others' property, Property Damage Liability Coverage typically covers damages that result from the damage to another person's property when you are at fault. Some of the things you may be liable for include vehicles, private residences, and storefronts and other structures.

Bodily Injury Liability*

If you're at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.

Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering. (In most states, bodily injury to guest passengers on your motorcycle is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to guest passengers.)

*In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.

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Auto Insurance Quotes

Following is the list of insurers and their respective telephone and/or Web address information. Note: This list is not all inclusive. The information on this Web site will be updated frequently, so please be sure to visit this site again for the latest information.

Insurer Name	Telephone	Website Address
21ST Century Casualty Company	(800) 211-7283	www.21st.com
21ST Century Insurance Company	(800) 211-7283	www.21st.com
Affirmative Insurance Company	(800) 877-0226
AIG Indemnity Insurance Company	(877) 310-5687	www.21st.com
AIU Insurance Company	(877) 310-5687	www.21st.com
Alliance United Insurance Company	(866) 530-5500	www.AllianceUnited.com
Allied Property and Casualty Insurance Company	(800) 282-1446	www.alliedinsurance.com
AllState Indemnity Company	(800) 557-8283	www.allstate.com
AllState Insurance Company	(800) 557-8283	www.allstate.com
AllState Property and Casualty Insurance Company	(800) 557-8283	www.allstate.com
AMCO Insurance Company	(800) 282-1446	www.alliedinsurance.com
American Economy Insurance Company	(800) 472-3326
American Home Assurance Company	(877) 310-5687	www.21st.com
American International Insurance Company of California, INC.	(877) 310-5687	www.21st.com
American States Insurance Company	(800) 472-3326
American States Insurance Company of Texas	(800) 472-3326
American States P Insurance Company	(800) 472-3326
Amica Mutual Insurance Company	(800) 242-6422	www.amica.com
Atlantic Mutual Insurance Company		www.atlanticmutual.com
Balboa Insurance Company	(800) 894-0976
California Capital Insurance Company	(800) 682-9255	www.ciginsurance.com
California Casualty Indemnity Exchange (The)		www.calcas.com
Centennial Insurance Company		www.atlanticmutual.com
Clarendon National Insurance Company	(800) 333-5553
Coast National Insurance Company	(800) 888-0080
Cornerstone National Insurance Company	(888) 735-5764
Danielson Insurance Company		www.naicc.com
Danielson National Insurance Company		www.naicc.com
DeerBrook Insurance Company	(800) 349-7342	www.deerbrook.com
Depositors Insurance Company	(800) 282-1446	www.alliedinsurance.com
Delos Insurance Company	(800) 203-1179	www.delosinsurance.com
Eagle West Insurance Company	(800) 682-9255	www.ciginsurance.com
Esurance Property and Casualty Insurance Company	(800) 378-7262	www.esurance.com
Empire Fire and Marine Insurance Company	(800) 228-9283
Encompass Insurance Company		www.encompassinsurance.com
Everest National Insurance Company		www.everestnational.com
Farmers Insurance Exchange		www.farmers.com
Federal Insurance Company		www.chubb.com
Fidelity National Insurance Company	(866) 699-1885	www.fnf.com
Financial Indemnity Company		www.unitrinspecialty.com
Fireman's Fund Insurance Company	(800) 633-6006	www.firemansfund.com
First American Property & Casualty Insurance Company	(888) 922-5343	http://insurance.firstam.com
First National Insurance Company of America	(800) 472-3326
GEICO Casualty Company	(800) 841-3000	www.GEICO.com
GEICO General Insurance Company	(800) 841-3000	www.GEICO.com
GEICO Indemnity Company	(800) 841-3000	www.GEICO.com
General Insurance Company of America	(800) 472-3326
Glens Falls Insurance Company (The)		www.encompassinsurance.com
Government Employees Insurance Company	(800) 841-3000	www.GEICO.com
Granite State Insurance Company		www.21st.com
Guideone Mutual Insurance Company	(877) 448-4331
Guideone Specialty Mutual Insurance Company	(877) 448-4331
Harbor Specialty Insurance Company	(800) 233-2442
Hartford Casualty Insurance Company		www.thehartford.com
Hartford Underwriters Insurance Company		www.thehartford.com
Horace Mann Insurance Company	(800) 999-1030
Horace Mann Property & Casualty Insurance Company	(800) 999-1030
Hudson Insurance Company	(866) 836-7064	www.hudsoninsgroup.com
IDS Property Casualty Insurance Company	(800) 842-3344	www.ameriprise.com/autohome
Infinity Insurance Company	(800) 782-1020
Integon Preferred Insurance Company		www.GMACInsurance.com
InterInsurance Exchange of The Automobile Club	(877) 222-1445	www.aaa.com
Kemper Independence Insurance Company	(877) 252-7878	www.ekemper.com
Liberty Mutual Fire Insurance Company	(800) 837-5254	www.libertymutual.com
Markel American Insurance Company	(800) 236-2862
Maryland Casualty Company	(800) 208-1003
Mercury Insurance Company	(800) 956-3728	www.mercuryinsurance.com
Merastar Insurance Company	(800) 637-2782	www.merastar.com
Meritplan Insurance Company		www.arrowheadgrp.com
MGA Insurance Company	(800) 552-2463
MIC General Insurance Corporation	(800) 847-2886
Mid-Century Insurance Company		www.farmers.com
National American Insurance Company of California		www.naicc.com
National General Insurance Company	(800) 847-2886
National Interstate Insurance Company	(800) 929-1500	www.nationalinterstate.com
Nations Insurance Company	(800) 209-4110
Nationwide Insurance Company of America	(800) 282-1446	http://www.nationwide.com/
NorthBrook Indemnity Company	(800) 349-7342	www.deerbrook.com
Northern Insurance Company of New York	(800) 208-1003
Northwestern Pacific Indemnity Company		www.chubb.com
Occidental Fire & Casualty Insurance Company of North Carolina	(800) 959-9956	www.reliantgeneral.com
Ocean Harbor Casualty Ins. Company	(800) 778-4732
Oregon Mutual Insurance Company	(800) 444-7012	www.ormutual.com
Pacific Indemnity Company		www.chubb.com
Pacific Property and Casualty Company		www.anpac.com
Pacific Specialty Insurance Company	(800) 303-5000 or (800) 828-3003	www.psic-onespot.com
Paris Re American Insurance Company	(866) 729-8999
Permanent General Assurance Corporation	(800) 582-6401	www.pgac.com
Personal Express Insurance Company	(800) 499-3612	www.expressinsurance.com
Progressive Choice Insurance Company	(888) 464-3841
Progressive West Insurance Company	(888) 464-3841
Redland Insurance Company	(800) 937-3965
Safeco Insurance Company of America	(800) 472-3326	www.safeco.com
Safeco Insurance Company of Illinois	(800) 472-3326	www.safeco.com
Safeway Direct Insurance Company	(888) 581-3700	www.safewaydirect.com
Safeway Insurance Company	(800) 807-2339	www.safewayins.com
Southern Insurance Company	(888) 793-7888
Standard Fire Insurance Company		www.travelers.com
Starnet Insurance Company	(800) 343-0592
State Farm Fire and Casualty Company		www.statefarm.com
State Farm General Insurance Company		www.statefarm.com
State Farm Mutual Auto Insurance Company		www.statefarm.com
Sterling Casualty Insurance Company	(800) 949-3274	www.dashers.com
Sutter Insurance Company	(800) 530-1124	www.sutterinsurance.com
Tokio Marine & Nichido Fire Insurance Company, LTD	(866) 791-7571
Transguard Insurance Company of America	(800) 959-9956	www.reliantgeneral.com
Twin City Fire Insurance Company		www.thehartford.com
Unitrin Auto and Home Insurance Company	(877) 252-7878	www.ekemper.com
Unitrin Direct Insurance Company	(800) 253-7744	www.unitrindirect.com
Unitrin Direct Property & Casualty Company	(800) 253-7744	www.unitrindirect.com
USAA		www.usaa.com
Victoria Fire & Casualty Company	(800) 888-8424
Vigilant Insurance Company		www.chubb.com
Viking Insurance Company of Wisconsin	(800) 334-0090
Wawamesa General Insurance Company	(800) 640-2920	www.wawanesaus.com
Wawanesa Mutual Insurance Company (The)	(800) 640-2920	www.wawanesaus.com
Western General Insurance Company	(800) 984-3533	www.westerngeneral.com
Western United Insurance Company	(800) 207-3618
Workmen's Auto Insurance Company	(800) 737-1757

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