What Does Motorcycle Insurance Cover?

Motorcycle insurance is mandatory in AZ.  Our policies are written to conform with the State requirements,  however you may need more than AZ MVD requires.  Talk with a local independent agent to learn about mandatory insurance coverage and what additional options might be right for you. 

Bodily Injury Liability

This helps pay for repairs to someone else’s vehicle or personal property if you’re responsible for an accident.

Enhanced Coverage Options:


Comprehensive coverage helps pay for repairs or replacement if your motorcycle is stolen, vandalized, or damaged in some way other than a collision. This coverage also protects you against loss or damage from flooding, fire, falling objects, wind, and collision with an animal.



Medical Payments

No matter who is at fault, coverage is available to pay hospital bills and other medical care expenses for you and a guest passenger injured in an accident.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

It's a common misconception that your health insurance will always cover additional medical bills you may have because of an accident. Actually, that's what UM/UIM coverage is for. It pays for the care you need that isn't covered by your health insurance. This includes pain and suffering, scarring, permanent impairment, and other conditions.

And since motorcycle accidents can be severe, it's important to be well protected. UM coverage can't exceed bodily injury limits, so it's best to select limits that are what you want for yourself for both bodily injury and uninsured motorist coverage. Some states require you to carry this coverage to help pay for expenses from an injury or death caused by an uninsured, underinsured, or hit-and-run driver, so check with a local Tucson agent to about requirements in your area. This coverage also protects you if you are hit by a vehicle as a pedestrian.

Roadside Assistance

Trip Interruption Coverage