Motorcycle Insurance in Terre Haute and the Wabash Valley
Coverage Designed for Motorcycle Riders
A motorcycle is a motor vehicle, but riding creates risks and coverage considerations that differ from ordinary passenger-car use.
Crapo Insurance Agency helps Terre Haute and Wabash Valley riders compare motorcycle insurance options based on the motorcycle, how it is used, the rider and the protection being considered.
Motorcycle Liability Coverage
Liability coverage can help address covered bodily injury or property-damage claims when an insured rider is legally responsible for an accident.
Limits should be reviewed in light of the rider's individual circumstances rather than selected solely on price.
Protecting Your Motorcycle
When selected, physical-damage coverage may include:
Collision Coverage
Can help pay for covered damage to the motorcycle resulting from a collision, subject to the policy and deductible.
Comprehensive Coverage
Can help protect against certain non-collision losses such as theft, fire, vandalism or weather-related damage, depending on the policy.
Uninsured and Underinsured Motorist Protection
Motorcycle policies may also include uninsured and underinsured motorist options designed to address covered losses involving drivers who have no insurance or insufficient insurance.
Available limits and requirements depend on the policy and applicable Indiana rules.
Accessories and Custom Equipment
Motorcycles are frequently customized with accessories, electronics, upgraded components or other equipment.
Standard policy limits may not automatically reflect the full value of custom equipment, so significant modifications should be discussed when arranging coverage.
Passengers and How You Ride
Coverage needs may also be affected by factors such as:
- whether you regularly carry passengers;
- the type and value of motorcycle;
- annual mileage;
- seasonal or year-round use;
- storage arrangements;
- modifications and accessories.
Talk With a Local Independent Agent
If you ride in Terre Haute or throughout the Wabash Valley, Crapo Insurance Agency can help you compare available motorcycle insurance options.