Accessory Coverage
Accessory coverage is for those items which are not included as standard by the manufacturer of the motorcycle and were added onto the motorcycle.  These can include but are not limited to: fairings, windshield, luggage rack, sissy bar, safety guards, highway pegs, crash/roll bar, custom seat, chrome light bars, radios and CBs.  

Accessory packages ranging from $500 to $10,000 are available.  The accessory coverage cannot be more than 50% of the motorcycle's current market value.  In cases where the motorcycle is customized beyond that, agreed value coverage may be an option.

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Agreed Value Coverage
This coverage "locks" in the value of your motorcycle at an agreed price with the exception of depreciation of tires, batteries and engine parts. In the event of a total loss, we will pay the agreed value if we can not replace the motorcycle with like kind and quality. An appraisal and photographs must be forwarded to us for review before this coverage will be added to a new or existing policy.  

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Bodily Injury Liability
This coverage provides protection on your behalf to someone to whom you become legally liable due to a motorcycle accident which causes injury, sickness or death. 

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Collision
This coverage provides protection against loss caused by collision or upset.  Deductible options: $250, $500 or $1000.

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Comprehensive
This coverage provides protection to your motorcycle for damage which occurs as a result of loss other than collision. This would include occurrences such as fire, theft, vandalism or hitting a deer.  Deductible options: $250, $500 or $1000.

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Medical Payments
This coverage provides excess medical payments coverage (after any other medical coverage) for any operator or passenger, regardless of fault, subject to the coverage limit and deductible.  

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Passenger Liability
This coverage provides protection to a passenger who is not an insured if you become legally liable to the passenger due to an accident.  Please call the BMW MOA Endorsed Insurance Program at 877-BMW-INS1 for specific information regarding who is considered an insured in your state.

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Property Damage Liability
This coverage provides protection for other persons' property if you become legally liable for the damage while operating the insured motorcycle.

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Uninsured/Underinsured Motorist Bodily Injury Coverages
This coverage provides protection for your injuries or death if you are involved in an accident with a motorist that has either no insurance or insufficient coverage and the other party is considered at fault.  Coverages available vary by state.  Please call the BMW MOA Endorsed Insurance Program at 877-BMW-INS1 for specific information regarding your state.

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Uninsured/Underinsured Motorist Property Damage Coverages
This coverage offers additional protection against property damage caused by a motorist that has either no insurance or insufficient coverage and the other party is considered at fault.  This coverage may be available in your state.  Please call the BMW MOA Endorsed Insurance Program at 877-BMW-INS1 for specific information regarding your state.

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