If you're at fault in an accident and cause damage to others, Liability Coverage typically provides protection for damages that you are legally obligated to pay, within policy limits.

If you're at fault in a covered accident and you have a passenger on your motorcycle, you may be liable for their injuries. Passenger Liability Coverage helps protect you if a passenger suffers bodily injuries, within policy limits.

If you're injured in an accident, could you afford to pay the medical expenses? Medical Payments Coverage provides payment for reasonable and necessary medical treatment for you or another insured person after a covered accident, within policy limits.

Typically provides coverage for an insured person for certain reasonable and necessary expenses. Some examples of typical expenses include: medical and hospital expenses, income continuation, loss of services, funeral expenses, and child care expenses for bodily injury caused by a covered accident, regardless of who was at fault. It’s only available in certain states.

Typically helps protect you for covered damage caused by drivers who don’t have insurance or don’t carry enough insurance. Uninsured Motorist Property Damage Uninsured Motorist for Property Damage coverage (if applicable in your state) will typically pay for covered damage to your insured cycle caused by an uninsured motorist.

Your motorcycle is a valuable asset that you want to help protect, maintain and repair if damaged. Collision Coverage helps pay to repair or replace your insured motorcycle after a covered accident, within policy limits.

Accidents happen—and they are not always a result of collisions with other vehicles. Comprehensive Coverage helps pay for covered damages to your insured motorcycle resulting from a loss other than a collision, within policy limits. Covered damages include: flood, wind, theft or vandalism and many other non-collision losses.


Covers aftermarket items like crash bars, custom seats, sissy bars, windshields and more. With every Allstate Motorcycle policy, $1,000 worth of coverage is included when you purchase Comprehensive Coverage. You can also purchase up to an additional $30,000 of coverage to help protect optional equipment you've added to your bike.

your bike is stolen or totaled, you're not at a total loss. Gap coverage pays the difference between your motorcycle and the amount remaining on your loan or lease. You must have Comprehensive and Collision Coverages in order to purchase Gap Coverage.

your bike breaks down or you're in an accident, don't worry about the cost of getting it home or to the shop. Towing and Labor Costs Coverage will typically reimburse you (up to the applicable limit) on all Harley-Davidson, Touring and Touring Sport motorcycles. It's also available for all other bikes at an additional cost.

you purchase this coverage and your motorcycle is damaged or stolen, we'll help cover the cost of renting an automobile.

Accidents happen. That's why we provide all of our loyal customers with First Accident Waiver. An accident will be considered for waiver if:

• It is the only chargeable accident with any motorcycle in 48 months.
• Policy has been in effect with Allstate Property and Casualty Insurance Company for 48 months.
• The driver and motorcycle was listed on the policy when the accident occurred. No major violation occurred concurrent with the accident

• Never ride your motorcycle without your helmet. Make sure it fits securely and has a DOT label, which symbolizes compliance with federal safety standards.
• Take a motorcycle rider-training class.
• Know the limitations of your motorcycle.
• Don't speed.
• Never tailgate other vehicles.
• Use your signals. Learn the hand signals for turning, stopping and slowing down just in case your bike's signals ever malfunction.
• Respect other drivers. Avoid weaving through traffic and driving on the shoulder.
• Be visible. Be visible. Be visible.
• Avoid riding in blind spots and always use your headlights.
• Brake safely. Use both brakes at the same time.

• Test your lights, brakes, turn signals and horn.
• Check the oil and fuel levels.
• Check tires for any punctures or slick spots.
• Make sure your mirrors are positioned correctly.
• Make sure your cables are not worn or frayed.
• Lubricate and adjust the chain as recommended by the manufacturer.

• Protective Eyewear. Find a high quality helmet with a face shield, goggles or glasses with plastic/safety lens so you can always see the road clearly.
• Jacket and Pants. Wear safe, durable materials including leather or synthetics that are full length and fit to size. Color is also important. Vibrant colors and reflective materials are more easily seen on the road.
• Gloves. Choose durable, non-slip leather gloves that fit your hands well.
• Shoes. Wear leather boots or durable sneakers that cover your ankles.

• Other motorists not seeing you. You're smaller than they are, and you're twenty-seven times more likely to die in a collision than they are. So be visible.
• Potholes. You can curse bad roadways all you want, but in the end, it's up to you to avoid obstacles in your way.
• Speeding. Sure, it's fun to rip down the road. But every mile an hour over the speed limit you go increases the odds of an ugly outcome.
• Inexperience. Know the limitations of your bike before you get out there with the big boys. Rush hour is not the time to learn that you don't know what you're doing.
• Over braking. If you lock up your front wheel when braking, you've just sacrificed your ability to steer. Hopefully, that'll be the only thing you sacrifice.
• Running wide on a turn. Obvious, really. The road is the safest place to be. The shoulder is where telephone poles, mailboxes and little white crosses live.

You can always get more information on motorcycle riding safety tips, state laws and course information at http://msf-usa.org

If you're at fault in an accident and cause damage to others, Liability Coverage typically provides protection for damages that you are legally obligated to pay, within policy limits.

If you're at fault in a covered accident and you have a passenger on your motorcycle, you may be liable for their injuries. Passenger Liability Coverage helps protect you if a passenger suffers bodily injuries, within policy limits.

If you're injured in an accident, could you afford to pay the medical expenses? Medical Payments Coverage provides payment for reasonable and necessary medical treatment for you or another insured person after a covered accident, within policy limits.

Typically provides coverage for an insured person for certain reasonable and necessary expenses. Some examples of typical expenses include: medical and hospital expenses, income continuation, loss of services, funeral expenses, and child care expenses for bodily injury caused by a covered accident, regardless of who was at fault. It’s only available in certain states.

Typically helps protect you for covered damage caused by drivers who don’t have insurance or don’t carry enough insurance. Uninsured Motorist Property Damage Uninsured Motorist for Property Damage coverage (if applicable in your state) will typically pay for covered damage to your insured cycle caused by an uninsured motorist.

Your motorcycle is a valuable asset that you want to help protect, maintain and repair if damaged. Collision Coverage helps pay to repair or replace your insured motorcycle after a covered accident, within policy limits.

Accidents happen—and they are not always a result of collisions with other vehicles. Comprehensive Coverage helps pay for covered damages to your insured motorcycle resulting from a loss other than a collision, within policy limits. Covered damages include: flood, wind, theft or vandalism and many other non-collision losses.

Covers aftermarket items like crash bars, custom seats, sissy bars, windshields and more. With every Allstate Motorcycle policy, $1,000 worth of coverage is included when you purchase Comprehensive Coverage. You can also purchase up to an additional $30,000 of coverage to help protect optional equipment you've added to your bike.

If your bike is stolen or totaled, you're not at a total loss. Gap coverage pays the difference between your motorcycle and the amount remaining on your loan or lease. You must have Comprehensive and Collision Coverages in order to purchase Gap Coverage.

If your bike breaks down or you're in an accident, don't worry about the cost of getting it home or to the shop. Towing and Labor Costs Coverage will typically reimburse you (up to the applicable limit) on all Harley-Davidson, Touring and Touring Sport motorcycles. It's also available for all other bikes at an additional cost.

If you purchase this coverage and your motorcycle is damaged or stolen, we'll help cover the cost of renting an automobile.

Accidents happen. That's why we provide First Accident Forgiveness as part of our motorcycle policy offering. An accident will be considered for waiver if:

• It is the only chargeable accident with any motorcycle in 48 months.
• Policy has been in effect with Allstate Property and Casualty Insurance Company for 48 months.
• The driver and motorcycle was listed on the policy when the accident occurred. No major violation occurred concurrent with the accident