Motorcycle Insurance

If you mean U-Haul type (private), then it is the renter through their auto insurance. If you mean a business like a Budget or Siva type, then it is the business that is renting that usually provides the insurance. this would be through the business insurance (i.e. the insurance on the building(s)/property and against theft etc). I f a company leases cars and trucks for use with the business, they must carry "fleet insurance". It is a blanket policy that covers all of the vehicles and the drivers MUST have their own car insurance and that is to protect bthe company and the leasing conpany.

Sure, you can. The insurance company should pay you a pro-rated refund after you cancel the policy.

You can't legally drive without a driver's license. But assuming you own a vehicle that you still want to cover for physical damage you should be able to get coverage. If you have someone else that you want to allow use of your vehicle then you could list them as a driver on the policy. Don't drive without a valid license though. People do go to jail for being habitual traffic offenders. Obtaining Auto Insurance without a Drivers License Here is some input from several contributors: The way to do it is over the phone. All you need is a check or credit card, and a fax machine! Make sure you have all the information on your car available including the vehicle identification number, the license plate number, year and make of the vehicle, and a Dl number (an ID number should work). They shouldn't ask you to fax a copy of it. I have moved more than five times in the past 3 years and all to different states and none of the insurance companies asked if I had a valid drivers license. They just wanted some money for the policy. Don't tell them you need it to get your license back. You have to have it even if your roommate uses it, or a granny, sister, etc. They will check your social security numbers to see if you have had any accidents or have filed any claims. I don't know if it shows up on a computer if the license is revoked. Just call around and check on some prices and see what happens. All the companies I write policies with (with the exception of one) require an MVR (motor vehicle report) before the policy is bound unless it's an international license. In that case they will add points against the license since the MVR can't be run. After the policy is bound a copy of the license needs to be faxed in. If not the policy is in danger of being cancelled or not renewed. A valid driver's license will be uniformly required in order to get liability insurance. This is a type of insurance that protects you as the driver from liability to a third party for damages caused by your own negligence while operating a vehicle. Insurers require a license so as to ensure some minimal level of familiarity with operation of a vehicle. That said, you may be able to get physical damage coverage for the vehicle even if you do not have a license. This includes losses due to collisions and those that come under the comprehensive coverage, such as broken glass, hail damage, etc. In this respect, the insurance would insure your ownership interest in the vehicle, rather than fault from operating it. In fact, if the vehicle is financed, the lender may require that physical damage coverage be obtained so as to preserve the value of the collateral. Yes you can. As long as your license hasn't been permanently revoked. You will have to get a non-standard policy though. Some less than reputable firms will issue you insurance without verifying your DL (as long as they make a copy). The problem comes if/when you ever try to make a claim on said policy. Automobile insurance issued in your name is only valid if you have a valid driver's license. Read the fine print. There are lots of reasons why someone would need insurance without a drivers license. Say if you have a car, but cant drive it, and rent so don't have homeowners insurance, you would want the car insured if you were forced to park / store it in an area where it was likely to incur damage. Also, for people with revoked licenses, you have to send proof of insurance in to the state to get your license back, so need to get insurance Before you can get your license. Yes, you can get insurance on a provisional license and without any as long as you state it when your getting quotes. Not necessarily, Most carriers will require you to have one but others can insure you if you don't or have had one suspended. Independent agents that offer policies through multiple carriers are your best bet to obtain coverage.

Safeco insures a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes to dirt bikes and ATVs. If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment. (safeco.com/personal/motorcycle/coverage-options) Progressive - Motorcycle coverage - when you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage - Custom paint, custom plating or custom exhaust is included in most states. Additional CPE coverage can be purchased to cover equipment, up to $30,000 in value. (motorcycle.progressive.com/motorcycle-insurance-coverages-custompartsequipment.aspx) and (motorcycle.progressive.com/custom-motorcycle-insurance.aspx) Nationwide - Custom parts and equipment coverage (up to $30,000), Custom and limited edition bikes and trikes coverage (up to $50,000), Kit and vintage bike coverage (up to $30,000) (nationwide.com/motorcycle-insurance-coverage.jsp) GEICO - Motorcycle insurance is available for most types of motorcycles including: sport bikes, cruisers, tour bikes, enduros, scooters, dirt bikes, trikes and some custom bikes. (geico.com/information/aboutinsurance/motorcycle) USAA General Agency - Whether your bike is a cruiser, street bike or a moped, a specialist in USAA's General Agency can provide insurance coverage for your specific needs, with policy options including: Liability, comprehensive, collision and theft coverage. Custom parts and equipment up to $30,000. Coverage for safety riding apparel, like helmets. Uninsured/underinsured motorist coverage. Medical payments. 24-hour claims service and roadside assistance. Transport trailer physical damage coverage up to $10,000. Insurers with the General Agency are carefully evaluated to meet the USAA level of service and must continually meet our standards. Four-Season Pricing - Your policy is priced to reflect the length of the typical riding season in each state, yet you have the twelve full months of coverage each year. (usaa.com/inet/ent_utils/McStaticPages?key=insurance_motorcycle) GMAC Insurance - protect your touring bike, performance bike, cruiser or ATV. Exceptional coverage, smart savings and the peace of mind that comes from selecting an insurance company that understands the motorcycle lifestyle. Coverage for most types of motorcycles, up to $2,000 for custom accessories and safety apparel provided at no extra cost! (Higher limits available.), Safe-rider and multi-cycle discounts available. Medical coverage available with no deductible. Add-on Equipment Coverage up to $20,000 optional coverage for all the extras you've invested in. Roadside Assistance as long as you have Comprehensive and Collision coverages, our optional roadside assistance in the event of accident or covered loss won't leave you stranded. You'll get up to $400 per occurrence (up to $100/day for lodging, up to $50/day for transportation), $300 lost deposit coverage, and whatever alternate transportation you choose - another motorcycle or a car. Roadside Assistance benefit also includes an unprecedented $300 allowance for towing - to the nearest qualified repair facility. Because for a bike like yours, just "any" garage won't do. Guaranteed claims service satisfaction or we'll waive your deductible - up to $250. 24-hour claims reporting - With most minor claims paid within 48 hours, and minor claims handled right over the phone. Convenient payment options to fit any budget. (gmacinsurance.com/other-products/motorcycle-insurance/features-benefits.asp) Ed Spijker at State Farm Insurance helped me on several custom bikes. Really reasonable rate if good driving record and live in California. Markel Insurance Company in Pewaukee, WI will provide insurance. I've been quoted by them. . Foremost will cover almost any custom as long as you have the big bucks to lay down. I put the money in the bike and now cannot ride due to insurance costs (foremost.com) I am having a very hard time trying to insure my custom built bike. It's an ASPT bike. Markel does not insure custom bike unless you have front and rear blinkers (yeah right) and the rake cannot be more then 38 degrees. Foremost seems to be the only one thus far. The guy that said the insurance rates are high he understated it. I am going to have to pay triple based on normal bike insurance rates. By the way I have a clean record. If anybody has anybody else please post. I am forced to sell this bike even before I get to enjoy it. After an exhaustive search I found Mark at Berglund Insurance (berglundins.com). I had a 2005 Exotix Vision 250 built for apprx $24000 and he was able to insure this bike for $1398 (full coverage 1 year with a speeding ticket)that was $800 less the best quote I found. He then added 2 other bikes (2000 gsxr 600 and a 94 Yamaha fzr 600) and put my wife on the policy for a grand total of------$1507.07---WOW CHEAP I would highly recommend calling them for anyone needing bike ins. (I live in RI) They DO NOT insure in AK HI MA or NJ. phone If you are referring to Mark Fischer - he has a new site up at: http://www.bikersins.com. He can also be reached at 800-537-6311 ext 107. He is going to require an appraisal (from a certified appraiser)even if you fabbed it from the frame up. Even if your bike is 100% one-off full coverage could be provided up to $40,000.00 in value. He is working with 20 companies across the U.S., Canada and Mexico certified to write an appraisal for custom bikes. I am listed among those 20 companies. The certification is new which as derived from USPAP guidelines. All of the companies have extensive experience in the custom bike industry. Many insurance companies, law firms and financing groups have began to catch wind of this and are contacting me and others for our services. American Collectors Insurance will insure custom and antique bikes very reasonably and they are very easy to work with. i got my 2005 big dog chopper insured for $30,000 for about $460 a year. They are GREAT! I think their number is Just to add, Markell insures my Paughco hardtail. I insured this bike before amendments, turn signals, handle bar height most noted. No problems until the three year appraisal expired. Now they request an appraisal and inform me they cannot insure full coverage because my bike does not meet said underwriter criteria. I was informed we could insure my bike as an actual cash value and not actual agreed value and that it would be around my est. of $10,000. OK fine, but be aware upon renewal 9/14/05 I talked to a more informed rep and he basically told me I needed to get a new appraisal and that there was no guarantee that I would be insured for $10,000 which is absurd considering my ride! To further insult the appraisal form states my bike cannot be insured! They already took my money! I guess the CO needs to make a DECISION about us. At least I am covered but who knows what they will determine my ride is worth. I do not think you could insure a custom bike and meet their criteria unless they already made money off you... Most companies will only insure custom bikes for actual cash value subject to limit on the policy. I write insurance in PA and NJ and Foremost is the go-to company for competitive rates and we write for 3 other bike insurance companies. Rates and eligibility vary by area, but Foremost will typically write most bikes under $40,000 as long as they are not turbocharged. Make sure to find an agent who is knowledgeable, and preferably one who rides! I called American Collectors Insurance and they had a great rate for comprehensive and collision but did not offer Liability required by Texas. Mileage is limited to 2500 miles a year. So I would still have to find another insurance carrier. So I'm still looking. Hacksaw_Rhodes. Allstate will insure Custom Built Motorcycles. The quotes I received are comparable to normal motorcycle insurance between $350 to $550 a year for full coverage depending on my coverage selections. The value is determined by the claims folks like any other auto or motorcycle. If I wanted a stated amount of $20K then the quote goes way up to $1200 or more like the quotes from Foremost. Unless you have a bunch of money to throw around or you have a show bike that you won't be riding it seems the only option is normal insurance selection. Apparently Allstate has been insuring Custom Built Motorcycles for a while now because they were able to look up the frame MSO on their system. Both Allstate and Foremost offered me Liability only for about $78.00 a year. Also I received several discounts based on other insurance I have and coverages. Hacksaw_Rhodes. Try Hagerty (hagerty.com/Auto/vehicle_motorcycles.aspx.) They are the leader in insuring custom and collector cars but do the same for motorcycles and boats. They allow you to insure the motorcycle for its actual value and understand the difference between a 40 year old piece of junk worth nothing and a fully restored gem worth tens of thousands of dollars.

Another way to get lower rates is to take Motorcycle Safety Foundation (MSF) courses. Most insurance companies offer discounts for completion of these courses, not to mention that they are just a good idea to take.

Most motorcyclists get at least liability on their bike, in case they are involved in an accident that injures someone else. Liability alone can cost between $100 and $400 per year. If you purchase additional coverage such as collision or comprehensive, your premium will increase.

I have been in the towing business for 25 years. In most cases, if you have collission insurance coverage your motorcycle is just like a car. Yes, the insurance company will pay the tow bill and storage bill. They will also have the motorcycle picked up and tow to be repaired or salvaged. Make sure you keep in frequent contact with your insurance company about the situation.

Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more. The links below provide additional state contact information for specific issues.

It is most likely a liability coverage if you should injure someone while riding your bike you would be covered to the limit of the policy. Ask your agent.

Each state has its own requirements for minimum limits of insurance applying to different types of insurance. You can contact the Department of Insurance (or do a search online) in your state and ask for someone who can answer your question as regards any state requirement for motorcycle insurance. It is usually a good idea to carry at least liability insurance on your motorcycle in case you have an accident injuring another person (considering the increasing numbers of accidents and fatalities for motorcycle drivers over the past few years).

This is a very tricky question. I know that on car insurance, you have to have a stipulation in your coverages that says you are covered under any vehicle, even if its not yours. This option costs more but its cheaper than having to pay outright if you wreck some1 elses car. AS for motorcycles, im sure that there is a stipulation limiting you to your own bike. But, im not totally sure, just call different insurance agencies and ask them questions. That's the best way.

Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more.

I recommend you this site where you can compare quotes and different type of insurance for your motorcycle... that is ICICI Lombard which provides very nice offers on all the purchase of insurance..

Good question! I know when I was in college and high school my parents owned our cars but I always had one at school that I drove. To make certain you can, call or e-mail your prospective insurers and ask the question. Also, if they say that you would be covered, get it in writing and make sure that you are one of the covered drivers on the policy. Usually a policy will either specify who is covered by name in the policy, or they will cover all persons living in the household so if someone borrows the vehicle they are covered under the owner's policy. Good luck with your search and compare quotes. It may help save you some money. Don't rely on what you think is covered, get it first hand from the insurance company and get it in writing to protect yourself.

Depends on your company and situation. There are too many variables to give a good answer. I would call and ask. Just give them a hypothetical and see if your rates will change. Remember, they work for you, and you have no reason to fear them. You can always take you business elsewhere.

Call your agent and ask the question I recommend you this site where you can compare quotes from different companies: mycheapinsurance.net

most of the time, if an insurance company "totals" your equipment, it will pay it off or pay you and then sell it to a junk yard for as much as they can get for it. However, you do have the option to buy your bike at the same price the salvage yard would pay.

Technically, your buddy covers the medical expenses. He might be able to have his medical insurance cover it depending on the injuries AND as long as he DOES NOT mention that he got hurt while on the bike. Once he says that the doctors will not treat him for those injuries because they can't bill med insurance.. Medical insurance companies don't want to be paying for injuries that happened on an auto.

Too Much! There is no answer to this question. Depends heavily on where you garage the Bike,along with your driving record. Two variables that have a profound weight on the cost. Add in the Bike model and weather or not collision is required and you have another set of costs,once again based on where you live. I know that doesnt help, but it is the answer. Suburburbs are cheaper than the City Ray

Rates vary. Two companies come to mind: Foremost Insurance & Progressive Insurance. Some Web sites will give you a free comparative quote.

FOREMOST 215-340-1888 BERGLUND 800-537-2555 PROGRESSIVE- 877-581-8114

That really depends upon the bike. The seating position is usually one of the major factors they take into consideration when deciding what type of bike it is to be. A tourer is designed for an average sized person to sit comfortably for long hours, a cruiser for them to sit feet forward in the classic style, and a sports bike so they can get down at speed and shift around for scratching. On trail bikes they pay little consideration to seating and more to how the rider balances their weight on the pegs and the relevant COG (centre of gravity). Obviously they compromise somewhat for costs and practical considerations but rider position remains a major factor in any new bike design. BMW have probably done the most work of any motorcycle manufacturer in their seating, with their ergonomically adjustable design work and crash testing. Doc

Nope but if you are financing from a dealer you must have. because if you crash leaving the dealer with a brand new bike your still stuck paying for it

Yes and no. Yes if it to cover medical expenses. You can pull on your med-pay and your uninsured motorist policy I believe. But don't expect them to cover damages to car. I would stick with med-pay as a better option though. Attorney! Attorney!! Attorney!!! That's what I have to say. Insurance company want to save money! Yours and theirs. Their job is to pay out as litte as possible! Yes you pay attorney fees but you also get thousands more!