Protect Your Bike, Your Investment, and Your Freedom to Ride

Whether you ride a cruiser, touring bike, sport bike, trike, custom motorcycle, or vintage motorcycle, proper insurance helps protect both you and your investment.

 

Motorcycles face different risks than automobiles, and standard auto insurance policies do not cover motorcycles. That's why specialized motorcycle insurance is important for riders throughout Michigan and Wisconsin.

 

At M&M Insurance Agency, we help riders find coverage that fits their bike, riding habits, and budget.

 

Why Do You Need Motorcycle Insurance?

Motorcycles can be involved in accidents that result in:

• Vehicle damage

• Bodily injury

• Liability claims

• Theft losses

• Weather-related damage

• Uninsured driver accidents

 

Motorcycle insurance helps provide financial protection when unexpected events occur.

 

What Types of Motorcycles Can Be Insured?

Coverage may be available for:

 

Cruisers

• Harley-Davidson

• Indian

• Honda Shadow

• Yamaha V-Star

 

Touring Motorcycles

• Harley-Davidson Touring Models

• Honda Gold Wing

• BMW Touring Bikes

 

Sport Bikes

• Kawasaki Ninja

• Yamaha R-Series

• Suzuki GSX-R

• Honda CBR

 

Trikes

• Factory-built trikes

• Converted trikes

 

Custom Motorcycles

• Modified motorcycles

• Custom paint

• Aftermarket upgrades

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Antique & Collector Motorcycles

• Vintage motorcycles

• Restored motorcycles

• Collector bikes

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What Does Motorcycle Insurance Cover?

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Liability Coverage

Helps pay for injuries or property damage you cause to others in an accident.

 

Coverage may include:

• Bodily Injury Liability

• Property Damage Liability

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Collision Coverage

Helps repair or replace your motorcycle following a covered collision regardless of fault.

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Comprehensive Coverage

Provides protection against:

• Theft

• Fire

• Vandalism

• Hail

• Windstorm

• Falling objects

• Animal collisions

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Uninsured & Underinsured Motorist Coverage

Provides protection if you're injured by a driver who has little or no insurance.

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Medical Payments Coverage

Medical Payments coverage can help pay covered medical expenses resulting from a motorcycle accident regardless of fault.

 

This coverage may help pay for:

• Ambulance services

• Emergency room visits

• Hospital bills

• Health insurance deductibles

• Copays and coinsurance

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Accessory Coverage

Many riders invest heavily in upgrades and custom equipment.

 

Coverage may be available for:

• Custom paint

• Chrome accessories

• Saddlebags

• Fairings

• Sound systems

• Performance modifications

• Riding gear

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Motorcycle Insurance in Michigan

Michigan riders face unique insurance considerations because motorcycles are treated differently than automobiles under Michigan's No-Fault laws.

 

Unlike automobiles, motorcycles do not automatically receive Personal Injury Protection (PIP) benefits in every situation.

 

Depending on the circumstances of an accident, medical expenses may be paid through:

• Medical Payments Coverage

• Health Insurance

• Applicable No-Fault benefits when a motor vehicle is involved

 

Because motorcycle claims can become complex, reviewing your coverage options carefully is important.

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Motorcycle Insurance in Wisconsin

Wisconsin riders can select coverage options that help protect them from:

• Liability claims

• Medical expenses

• Uninsured drivers

• Motorcycle damage

• Theft losses

 

Choosing proper liability limits is particularly important because motorcycle accidents can result in substantial injury claims.

 

Agreed Value Coverage for Collector Motorcycles

Some antique and collector motorcycles may qualify for Agreed Value coverage.

 

This means:

• The motorcycle's value is established before a loss occurs.

• No depreciation deduction applies in a covered total loss.

• Greater certainty exists regarding claim settlement.

 

This can be especially valuable for vintage motorcycles and custom builds.

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Discounts May Be Available

Depending on eligibility, discounts may be available for:

• Multi-policy customers

• Homeowners

• Experienced riders

• Safe driving history

• Multiple motorcycles

• Motorcycle safety course completion

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Why Choose M&M Insurance Agency?

As a local agency serving Michigan and Wisconsin riders, we understand the unique risks motorcycle owners face.

 

We help riders:

• Compare coverage options

• Review liability limits

• Protect custom equipment

• Evaluate Medical Payments coverage

• Insure collector motorcycles

• Coordinate umbrella liability coverage

 

Our goal is to help you enjoy the road while knowing you have the protection you need.

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Frequently Asked Questions

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Does my auto insurance cover my motorcycle?

No. Motorcycle insurance generally requires a separate policy.

 

Do I need comprehensive coverage?

If you want protection against theft, vandalism, fire, weather damage, and animal collisions, comprehensive coverage is often recommended.

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What is Medical Payments coverage?

Medical Payments coverage can help pay covered medical expenses following a motorcycle accident regardless of fault.

 

Can I insure a custom motorcycle?

Yes. Many policies can provide coverage for aftermarket accessories and custom equipment.

 

Can antique motorcycles be insured?

Yes. Many antique, vintage, and collector motorcycles qualify for specialized coverage options.

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