WHY YOU CAN TRUST JERRY
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Coverage | Description | Example | Included automatically? | Do I need it? |
---|---|---|---|---|
Covers other drivers’ medical costs if you’re found at fault in an accident. | You fail to yield and crash into a car, which then rolls over. This policy helps to pay for the medical costs of anyone in that car who was injured. | No | Varies by state, but it’s almost always required. | |
Covers repairs to other people’s property if you’re at fault in an accident. | You don’t look when leaving a parking spot and put a big dent in somebody else’s bike. This will cover those repair costs. | No | This also varies by state, but it’s often required. | |
Pays for losses due to a wide variety of causes, like theft, vandalism, or random acts of life. | The wind kicks up and a huge branch crushes your bike while it’s parked outside. | No | It’s not required, but definitely worth it if you have a valuable bike. | |
Pays for repairs or a replacement due to any kind of collision, no matter who was at fault. | You take a corner too fast and crash into a light pole, damaging your headlight and handlebars. | No | Not required, but again worth it if you have a valuable bike. | |
Pays for your expenses if you are in an accident caused by someone with no insurance. | An uninsured driver hits you with their car, and they can’t afford to give you any money out-of-pocket for your expenses. | No | This varies by state—it’s required in some, but not in all. | |
Goes towards medical expenses for you and your passengers, no matter who is at fault. | You’re out on a day trip with a friend on your bike and a small spill results in some minor injuries for both of you. | No | Not required, but it’s a very wise policy to invest in as medical costs can be quite high. | |
Goes towards your medical bills, plus things like lost wages, childcare, and funeral expenses. | You have a bad motorcycle accident and have to be out of work for two months. PIP will help compensate you for lost wages. | No | PIP is required in some states and not available in others, but it’s a good idea to have it if you can. | |
This covers your expenses for towing and related labor in case your bike breaks down or is damaged in an accident. | You’re on a road trip and you break down miles from the nearest town—this policy means that you can always get a tow truck, day or night. | Included with policies for Harley- Davidson, touring, and touring sport bikes. | This add-on is a particularly good idea if you have a touring bike and/or go for lengthy rides. | |
Helps to cover the cost of a rental if your bike is stolen or in the shop. | It’ll be three weeks before your part comes in! This covers a rental in the meantime, so you don’t have to sweat your transportation. | No | If you must always have readily available transportation, this policy can save you some stress. | |
Motorcycle and off-road vehicle transport trailer damage | This covers damages to your trailer and bike caused by a variety of events, from collisions to storm damage. | You’re transporting your bike to a show and hit a pothole, severely damaging your trailer’s axle. | No | If you frequently use a trailer to haul your bike around, this is a smart policy to consider. |
This pays the difference between your loan and the actual cash value of your bike (if you have negative equity in it.) | Your brand-new Harley gets totaled, and due to depreciation, your insurance payout is less than what you owe on your loan. | No | Not required, but could be a very smart move depending on your bike and the terms of your financing. | |
Optional or added equipment coverage | This covers damages or loss for any aftermarket upgrades, like custom seats, parts, or accessories. | Someone stole your cool sparkly handlebar tassels! Not cool. But with this policy, it’s covered. | $1,000 is included with a motorcycle policy, and you can purchase extra coverage up to $30,000. | Not required, but it’s a good idea if you have a lot of pricey aftermarket mods or accessories. |
Rider Protection Package | This can provide death and dismemberment benefits to you or your family. | It’s awful to think about, but a policy like this would help cover your expenses if you lose a limb in an accident or provide financial support for your loved ones in case of your death. | No | This might be particularly good coverage to consider if you have dependents, like a spouse or kids. |
New motorcycle extended protection | If your bike is totaled while it’s two years old or less, this policy replaces it with a new one versus just paying you the depreciated cash value. | Your gorgeous new Ducati got totaled before its first birthday! With this coverage, you can wipe your tears on the handlebars of a brand new one. | No | It’s not available in every state, but if you have a new, expensive bike it might be worth looking into. |
First accident waiver | This can prevent your premiums from rising after your first accident. | The stipulations on this are pretty extensive, so ask your Allstate agent for details. | Possibly? | It’s free if you qualify, and it’s a nice add-on to have! |
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