Motorcycle Insurance Glossary

Custom Parts & Equipment – Specialty parts for modification purposes that do not come with the motorcycle at time of initial purchase.

Liability - Payment for bodily injury or property damage to a third party as a result of an accident caused by an insured motorcyclist.

Personal Injury Protection - Payment for reasonable medical expenses regardless of fault, up to a determined cap.

Medical Payments Coverage - Covers the cost of medical care provided to you as a result of a motorcycle accident and applies no matter who may be at fault.

Collision – Covers the cost to repair or replace your motorcycle if it is damaged in an accident (no matter who is at fault) or if it is stolen.

Other Than Collision - Payment for loss or damage to an insured's motorcycle that is not caused by collision or overturn.

Guest Passenger Liability - Provides protection for legal liability in the event that a guest passenger is injured on the insured motorcycle.