Allstate Motorcycle Insurance Review

Motorcycle riding can be hazardous, but with Allstate motorcycle insurance both you and your bike will be protected. Allstate, founded in 1931, is the second-largest personal lines insurer in America and offers 13 major lines including auto, home, life and commercial insurance as well as retirement and investment products. Coverage options for motorcycle policies include:

Medical payments coverage that covers the medical expenses of you and your passengers, including hospital, ambulance, x-ray, surgical and dental costs.

Personal Injury Protection reimburses expenses resulting from an accident, including hospital expenses, child care expenses, funeral expenses and lost income.

If your motorcycle is damaged in an accident, Allstate motorcycle insurance offers the following types of coverage that can help you get your bike running again.

Collision coverage covers damage resulting from collision with an object such as a tree, another car or a building.

Comprehensive coverage covers damage to your bike resulting from factors such as vandalism, theft, flooding and other factors not involving a collision with another vehicle. You are typically paid for the cost of repairing or repainting your bike, up to the actual cost value after the amount of the deductible.

Underinsured/Uninsured Motorist Bodily Injury coverage protects you against damages resulting from the injury or death of you or a passenger that was caused by an uninsured or underinsured driver.

If you are involved in an accident in which you are at fault, the following Allstate motorcycle insurance coverage can protect you from heavy out-of-pocket costs.

Property Damage Liability coverage pays for damages resulting from damage to another person’s property and may cover vehicles, private homes as well as other structures.

Bodily Injury Liability covers the costs resulting from injury or death of the other driver or your passenger. This form of coverage includes medical and hospital bills, pain and suffering and lost wages.

You can also customize your policy with special features such as optional or added equipment coverage, towing and labor costs and rental reimbursement (that pays for a rental if your bike is in the shop or is stolen).