Motorcycle Insurance
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What type of motorcycle insurance do I need?
Most riders need:
Liability coverage – Pays for injuries or damage you cause to others.
Collision coverage – Covers repairs to your bike after an accident.
Comprehensive coverage – Protects against theft, vandalism, and weather damage.
Uninsured/underinsured motorist coverage – Covers your costs if hit by an uninsured driver.
Does my policy cover custom parts and accessories?
Standard policies may not cover aftermarket upgrades like custom paint, saddlebags, or chrome parts. You can add accessory coverage for extra protection.
Can I insure multiple motorcycles on one policy?
Yes! We offer multi-bike discounts, saving you money on coverage for multiple motorcycles.
Does my motorcycle insurance cover passengers?
Standard policies may not cover passengers. To protect them, you’ll need guest passenger liability coverage or medical payments (MedPay).
Am I covered if I take my motorcycle on a road trip?
Yes! Your policy covers you across the U.S., but if you’re riding internationally, you may need additional coverage.
Why choose Hutsenpiller Insurance?
Independent and Local: As an independent insurance agency, we work for you, not the insurance companies. This allows us to offer a wide range of options from multiple top-rated insurers, ensuring you get the best coverage at the most competitive rates.
Personalized Service: Our team takes the time to understand your specific situation and tailor insurance plans that fit your lifestyle and budget.
Experienced Agents: With years of experience in the industry, our knowledgeable agents are here to guide you through the insurance process, making it simple and hassle-free.
Community-Focused: We are proud to serve the residents of Tennessee, and our commitment to the local community sets us apart.
Motorcycle Insurance Coverage
We offer the following options;
-
Liability Coverage – Pays for injuries or property damage you cause to others in an accident.
- Collision Coverage – Covers repair or replacement costs for your motorcycle after an accident.
- Comprehensive Coverage – Protects against theft, vandalism, fire, and weather-related damage.
- Uninsured/Underinsured Motorist Coverage – Covers your medical bills and bike repairs if an uninsured or underinsured driver hits you.
- Medical Payments (MedPay) – Helps pay for your medical expenses after an accident, regardless of fault.
- Total Loss Coverage – Reimburses you for a new motorcycle if your bike is totaled in a covered accident.
- Accessory Coverage – Protects aftermarket upgrades like custom paint, saddlebags, and chrome parts.