Harley Davidson is one of the most iconic American motorcycle brands. It is known for its high-quality motorcycles, but it also offers insurance coverage to protect your bike and yourself on the road. In this article, we will discuss everything you need to know about Harley Davidson motorcycle insurance, including the coverage options, benefits, and how to get a quote.
Basic Coverage Options
Harley Davidson offers three basic coverage options for motorcycle insurance: liability, collision, and comprehensive coverage. Here is a detailed explanation of each option:
Liability Coverage
Liability coverage is the most basic coverage option offered by Harley Davidson. It is mandatory in most states, and it covers the damages and injuries you cause to other people and their property while riding your Harley. It does not cover damages to your own motorcycle or injuries to yourself.
Liability coverage is divided into two parts: bodily injury liability and property damage liability. Bodily injury liability covers the medical expenses, lost wages, and pain and suffering of people you injure in an accident. Property damage liability covers the damages you cause to other people’s property, such as their car or fence.
Collision Coverage
Collision coverage is an optional coverage that covers the damages to your motorcycle caused by a collision with another vehicle or object, regardless of who is at fault. This coverage also includes damages caused by hitting a pothole or a curb. Collision coverage is subject to a deductible, which is the amount you pay out of pocket before the insurance kicks in.
Comprehensive Coverage
Comprehensive coverage is another optional coverage that covers the damages to your motorcycle caused by events other than a collision, such as theft, vandalism, fire, or natural disasters. It also covers damages caused by hitting an animal, such as a deer. Comprehensive coverage is also subject to a deductible.
Additional Coverage Options
Harley Davidson offers several additional coverage options that you can add to your policy for extra protection. Here are some of the most common additional coverage options:
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage is an optional coverage that covers your medical expenses and damages if you are hit by an uninsured or underinsured driver. This coverage also applies if you are a victim of a hit-and-run accident.
Accessory Coverage
Accessory coverage is an optional coverage that covers the damages or theft of accessories and upgrades that are not included in the original purchase price of your Harley. This includes items such as custom exhaust pipes, saddlebags, and chrome parts.
Roadside Assistance
Roadside assistance is an optional coverage that provides 24/7 emergency assistance if your motorcycle breaks down or you get stuck on the road. This coverage includes towing, fuel delivery, and battery jump-starts.
Benefits of Harley Davidson Motorcycle Insurance
Harley Davidson motorcycle insurance offers several benefits that make it a great choice for Harley riders. Here are some of the benefits:
Customized Coverage
Harley Davidson motorcycle insurance offers customized coverage options that are tailored to your specific needs and preferences. You can choose the coverage options that fit your budget and level of protection.
Rider Benefits
Harley Davidson motorcycle insurance offers several rider benefits, such as accident forgiveness, trip interruption coverage, and replacement cost coverage. These benefits provide extra protection and peace of mind on the road.
Discounts
Harley Davidson motorcycle insurance offers several discounts that can help you save money on your premiums. These discounts include safe rider discounts, multi-policy discounts, and loyalty discounts.
How to Get a Quote
Getting a quote for Harley Davidson motorcycle insurance is easy and convenient. You can get a quote online by visiting the Harley Davidson insurance website and filling out the quote request form. You will need to provide information about your motorcycle, your driving history, and the coverage options you want. Once you submit the form, a representative will contact you with a customized quote.
Frequently Asked Questions
Question |
Answer |
Does Harley Davidson offer insurance? |
Yes, Harley Davidson offers motorcycle insurance through its partnership with Markel Insurance. |
What coverage options does Harley Davidson offer? |
Harley Davidson offers liability, collision, and comprehensive coverage, as well as several additional coverage options. |
Do I need motorcycle insurance? |
Yes, motorcycle insurance is mandatory in most states. It is also important to protect yourself and your bike on the road. |
How much does Harley Davidson motorcycle insurance cost? |
The cost of Harley Davidson motorcycle insurance varies depending on several factors, such as your location, driving history, and type of motorcycle. You can get a customized quote online. |
What discounts does Harley Davidson offer? |
Harley Davidson offers safe rider discounts, multi-policy discounts, and loyalty discounts. |
In conclusion, Harley Davidson motorcycle insurance offers comprehensive coverage options, additional coverage options, and several benefits and discounts for Harley riders. Getting a quote is easy and convenient, and you can customize your coverage to fit your specific needs and budget. Protect yourself and your bike on the road by choosing Harley Davidson motorcycle insurance.
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