Georgia Motorcycle Coverage's in DetailThe value of good motorcycle insurance often doesn't become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have Georgia motorcycle insurance coverage you can count on. Let our experienced Georgia Motorcycle Insurance policy specialist explain the different Liability limits, Comprehensive, Collision, Uninsured Motorist, Personal Injury Protection, Medical coverages, and deductibles that are available for you to choose from. We offer affordable motorcycle insurance policies from a leader in the insurance industry. This means stable premiums and none of those 15% increases after the first year.
Motorcycle Insurance
policy coverage options below!
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a
motorcycle insurance policy. The minimum bodily liability insurance coverage available for purchase in Georgia is 25/50 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the state for Georgia minimums listed above.
coverage amounts you require to meet your family and personal needs.
Georgia Liability Coverage limits explanation:
25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000
Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select. If your limits are 15/30/10, this means: No more than $15,000 would be paid per person for Bodily Injury No more than $30,000 would be paid per accident for Bodily Injury No more than $10,000 would be paid per accident for Property Damage Example: You are at fault for an accident that injured two people and damaged another vehicle. The other driver's total medical bills were $5,000 and the other passenger's total medical bills were $3,000. The damage to the other vehicle was $8,000. All injuries and damages would be covered because they fall within the Liability limits you selected. Each person's injuries were less than $15,000, and the amount for all injuries was less than $30,000. The other vehicle's damage also was below the $10,000 Property Damage Liability limit. On the other hand, if you are at fault for an accident and the medical bills from the injuries or property damage that you cause exceed your limits of liability, your personal assets may be at risk. Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle,car, fence, or house, is covered through property damage motorcycle insurance coverage. The minimum coverage amount in Georgia is $25,000.
Example:
You are at fault for an accident that injured two people and damaged another vehicle. The other driver's total medical bills were $5,000 and the other passenger's total medical bills were $3,000.
The damage to the other vehicle was $8,000. All injuries and damages would be covered because they fall within the Liability limits you selected. Each person's injmedical bills from the injuries or property damage that you cause exceed your limits of liability, your personal assets may be at risk.
Covers damage caused to the owners motorcycle from a collision caused
by another vehicle or other object. The deductible is the amount you choose
to pay upfront (if any) before the motorcycle insurance policy pays. The
higher the deductible you choose, the lower the collision coverage cost
within the Georgia Motorcycle Insurance policy.
Comprehensive Coverage - Georgia Motorcycle Insurance Policy
Covers damage caused to the insured's motorcycle (your motorcycle) from risks such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the motorcycle insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the Georgia Motorcycle Insurance policy.
Covers damage caused to the owners motorcycle from a collision caused
by another vehicle or other object. The deductible is the amount you choose
to pay upfront (if any) before the motorcycle insurance policy pays. The
higher the deductible you choose, the lower the collision coverage cost
within the Georgia Motorcycle Insurance policy.
Medical Payments Coverage - Georgia Motorcycle Insurance Policy
Medical payments coverage pays for the medical and funeral expenses for you or others hurt or killed in an accident while riding on or driving your motorcycle. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding on another motorcycle. This Georgia motorcycle insurance coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is not a required motorcycle insurance coverage in Georgia.
Example You sustain $2,000 in injuries from a fall off your bike when you turned too quickly. You do not have any health insurance, which means you can use your MedPay coverage, up to the $1,000 limit you selected, for your injuries. You are required to pay the other $1,000 in medical bills.
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver
This coverage comes into play when an at-fault driver has auto or motorcycle liability
insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of motorcycle insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an accident
caused by a driver who has insufficient auto or motorcycle insurance coverage. The
motorcycle insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required motorcycle insurance coverage in Georgia.
Custom Parts and Equipment/Accessory Coverage
When you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included in most states. Additional CPE coverage can be purchased to cover equipment, up to $30,000 in value. CPE covers equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of a motorcycle or off-road vehicle. This includes, but is not limited to: 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 or off-road vehicle using bolts or brackets, including slide-out brackets Sidecars (when attached to the insured cycle) Trailers designed to be pulled behind a motorcycle or off-road vehicle (when attached to the insured cycle) 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 and equipment.
Example Your bike has a custom paint job, handlebars, levers, sissy bars and fenders that total $5,000. Because it exceeds the automatic $1,000 CPE coverage given with Comprehensive or Collision coverage, you purchase an additional $4,000 in CPE coverage to ensure the parts are covered if they're damaged in an accident.
Roadside Assistance- If your motorcycle breaks down, Roadside Assistance will pay to tow it to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:Mechanical or electrical breakdown Dead battery
- Flat tire
- Lockout
- Insufficient supply of fuel, oil, water, or other fluids
- Entrapment in snow, mud, water, or sand within 100 feet of the roadway
Motorcycle Insurance Coverage for Many Types of Bikes
We know how important it is to choose the right motorcycle insurance. With so many motorcycle insurance policies to look at, we provide the information you need to make the best decision. Progressive motorcycle insurance coverage protects many types of bikes and ATVs, including Cruisers, Limited Production Cruisers, Street Sports, High Performance, Touring, Sport Touring, Mopeds, Scooters, and Trikes. We even offer motorcycle insurance for older bike models. Get the motorcycle insurance coverage you need today, and we'll take care of the rest.
Motorcyle Events & Rallies
Cruise by the Progressive booth at the following motorcycle events throughout the year. Pick up a few freebies and talk to a Progressive representative to see how we can help you with your motorcycle insurance needs. Or, just stop by to talk bikes with us.
February
Daytona Bike Week – Daytona, FL (February 26-March 7)
March
Daytona Bike Week – Daytona, FL (February 26-March 7)
Progressive Employee Event – Tampa, FL (March 9)
Progressive Employee Event – Sacramento, CA (March 17)
April
Progressive Employee Event – Phoenix, AZ (April 12)
Arizona Bike Week – Scottsdale, AZ (April 14-18)
Laughlin River Run – Laughlin, NV (April 21-25)
Thunder Beach Spring Moto Rally – Panama City, FL (April 29-May 2)
May
Thunder Beach Spring Moto Rally – Panama City, FL (April 29-May 2)
Bike Week New Orleans – New Orleans, LA (May 5-9)
Asheville BikeFest – Asheville, NC (May 13-16)
June
Progressive Employee Event – Cleveland Campus 1 (June 1)
Progressive Employee Event – Cleveland Campus 2 (June 2)
Laconia Motorcycle Week – Laconia, NH (June 13-20)
Thunder in the Valley – Johnstown, PA (June 24-27)
July
Progressive Employee Event – Mentor, OH (July 13)
Roar on the Shore – Erie, PA (July 15-17)
The Rally (RV) – Louisville, KY (July 22-25)
August
Sturgis Bike Week – Sturgis, SD (August 6-15)
Progressive Employee Event – Colorado Springs, CO (August 17)
Veterans Rally – Winter Park, CO (August 20-22)
September
Milwaukee Rally – Milwaukee, WI (September 2-5)
DELMARVA – Ocean City, MD (September 16-19)
Bikes, Blues and BBQ – Fayetteville, AR (September 29–October 2)
October
Bikes, Blues and BBQ – Fayetteville, AR (September 29–October 2)
Biketoberfest – Daytona Beach, FL (October 14-17)
November
Lone Star Rally – Galveston, TX (November 4-7)
Quote your own motorcycle insurance now.
No Fault Coverage (PIP) - Georgia Motorcycle Insurance Policy
Georgia does not require (PIP) or personal injury protection coverage. This coverage pays medical bills for injuries suffered in a motorcycle accident regardless of who caused the accident.
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uries were less than $15,000, and the amount for all injuries was less than $30,000. The other vehicle's damage also was below the $10,000 Property Damage Liability limit.
On the other hand, if you are at fault for an accident and the