Do you need motorcycle insurance
or insurance for your ATV? Here is some info on coverages.
Motorcycle insurance has the same basic coverages as car
insurance. It also can include two unique types of coverage.
They are :
Custom Parts and Equipment (CPE) At some companies : when Physical Damage
Liability coverage is purchased, $1,000 of Custom Parts and Equipment
(CPE) coverage is included. Additional CPE coverage can be purchased to
cover equipment, up to $30,000 at some companies.
CPE covers equipment, devices, accessories, enhancements and changes,
other than those that the manufacturer originally installs, that alter the
appearance or performance of the motorcycle or ATV. This typically
includes:
Any electronic equipment, antennas and other devices used exclusively to
send or receive audio, visual or data signals or play back recorded media,
other than those that the manufacturer originally installs, that are
permanently installed on the motorcycle using bolts or brackets, including
slide-out brackets, sidecars, trailers designed to be pulled behind a
motorcycle or ATV, trike conversion kits, custom paint, custom plating or
custom exhaust, mower blades, plow blades or winches, safety riding
apparel, including helmets.
(Coverage is provided in the event of a Collision loss. Theft is not
covered.)
Please note: We recommended you retain photos of the motorcycle and all
receipts for custom parts for your insurance company in case of accident.
Roadside Assistance
Roadside Assistance coverage
provides towing to the nearest qualified repair facility and necessary
labor at the place of disablement when your motorcycle is disabled.
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