If you live in Ohio, chances are we already cover what you ride. We insure the full spectrum of motorcycles;
Ohio Motorcycle Insurance Coverage Discounts
One of the great advantages of having your motorcycle coverage through a major insurance carrier like the ones we represent, is that you may save money by having more than one policy with us. Our agency will be able to calculate your multiple policy savings. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.
About Motorcycle Insurance
Your motorcycle insurance policy can include any or all of the options below.
Custom Parts & Equipment Coverage
If you select custom parts coverage, you will receive up to $3000 in coverage with little or no additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Your motorcycle insurance policy can provide roadside assistance benefit of up to $300 per breakdown.
You choose the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Our motorcycle insurance agency works with multiple insurance companies so we can provide you with multiple motorcycle insurance coverage options at rates you can afford.
Medical Payments Coverage
Medical payments coverage helps pay for your and your passengers’ expenses if you’re injured in a motorcycle wreck, regardless of who’s at fault. Medical payments coverage may help pay for:
- Ambulance and emergency medical tech fees
- Hospital visits
- Surgery and X-rays
- Nursing services
- Health insurance deductibles and co-pays
Medical payments coverage is optional on a motorcycle insurance policy. Ask us about adding it to your policy to help protect you and your passengers.
Guest Passenger Insurance Coverage
In Ohio, guest passenger liability coverage helps pay for your passenger’s medical expenses if you cause a motorcycle accident. But, guest passenger liability won’t apply if you (the insured) are not at fault for the accident that injured your passenger. In that case, the at-fault driver’s liability coverage may help pay your or your passenger’s medical expenses.
Guest passenger liability coverage may be included as part of the bodily injury liability coverage in your policy, or it may be a separate coverage. We are Columbus motorcycle insurance specialist licensed for the state of Ohio. We will explain the details.