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Coverage | Description | Example | Included automatically? | Do I need it? |
---|---|---|---|---|
If you’re at fault in an accident, this coverage pays for the injuries of others. | You run through a stop sign and crash into another rider, who sustains severe road rash. Direct Auto covers their medical expenses up to your policy’s limit. | No | Probably. Bodily injury liability is required by law in most states. | |
If you’re at fault in an accident, this coverage pays for repairs to other drivers’ property. | You accelerate too quickly and crash into another rider, causing great damage to their bike. Direct Auto will pay for the cost of repairs up to your policy’s limit. | No | Probably. Property damage liability may be required by your state’s laws. | |
This coverage will pay for the loss or damage to your motorcycle due to theft, vandalism, natural disasters, and more. | Your bike is picked off the streets and declared a total loss. Direct Auto will pay for the actual cash value of the motorcycle after the deductible has been paid. | No | Not required by law, but it may be worthwhile if you drive a newer or high-value bike. | |
Pays for the loss or damage of your bike if it’s damaged in a collision with another bike or object. | Another driver hits the side of your bike and damages your frame. Direct Auto covers the cost of repairs. | No | Not required by law, but it may be worthwhile if you drive a newer or high-value bike. | |
Motorcycle guest passenger liability | Covers medical expenses to a passenger if you’re at fault in an accident. | You lose control of your bike and your passenger suffers a broken arm. Direct Auto covers their medical expenses up to your policy’s limit. | No | Good for states where this coverage is separate from bodily injury liability. |
Pays medical expenses for you and your passengers no matter who is at fault. | Your friend falls off your bike and breaks their collarbone. Direct Auto will pay their medical bills up to your policy’s limits. | No | Not required. But if you don’t have health insurance, this may be a good option. | |
Like medical payments, PIP covers the medical expenses of you and your passengers, regardless of who is at fault. | You’re driving too fast and can’t slow down fast enough to turn a corner and fall off your bike. Direct Auto will pay your medical expenses up to your policy’s limits. | No | Not required. But if you don’t have health insurance, this may be a good option. | |
Pays for medical bills, loss of wages, and repairs if you get into an accident with an uninsured driver. | An uninsured driver hits and damages your bike on the road. Direct Auto will pay your expenses up to your policy’s limits. | No | Maybe. UIM is required by law in some states. | |
Custom parts and equipment or accessories coverage | Pays for custom parts and accessories in collision and comprehensive claims. | That new comfy backrest you just installed got destroyed in an accident. Direct Auto will pay for the cost of replacing the custom part after your deductible. | No | Not required. But it may be worthwhile if you make a lot of custom upgrades to your bike. This coverage is not available in North Carolina . |
Motorcycle replacement coverage | Pays the full manufacturer’s suggested retail price for a motorcycle replacement if yours is totaled in collision and comprehensive claims. | You just purchased a brand-new motorcycle for $30,000 and totaled it one year later. Direct Auto covers the full cost of a new bike after your deductible. | No | This coverage is a good idea if you’ve just purchased an expensive new motorcycle. |
Towing | Covers emergency towing costs if your motorcycle becomes undrivable. | You’re taking a weekend trip out to a secluded area when your bike breaks down in the middle of nowhere. Direct Auto covers towing costs up to your policy’s limit. | No | Not required, but worthwhile if you travel frequently. |
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