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Motorcycle Insurance
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If the risk does not fit Farmers, we can bring
it to Foremost, a member of Farmers Insurance Group. Today, there are all
kinds of bikes out there - and some of them are just not eligible for the
Farmers program. In either case, we are eager to help!
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Liability-Bodily
Injury/Property Damage Coverage
- Pays for bodily injuries for other
people or damage to their property, if you are liable as a result of a
covered loss.
- Includes medical expenses and lost
wages.
- Coverages are subject to the limits
and conditions of the policy.
- Arizona requires drivers to carry
liability coverage.
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Uninsured
Motorists/Underinsured Motorists (UM/UIM)
- Pays for bodily injuries, but not
property damage, you, qualified family member, and any other person
occupying the covered vehicle, caused by an UM/UIM or a hit-and-run
driver.
- Also applies to house-hold members as
pedestrians.
- Includes payment of medical costs,
lost wages and pain and suffering.
- Coverage amount is usually equal to
liability limit. See your Agent for
available limits.
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Medical
- Pays medical bills and funeral
expenses for you or your passenger(s) injured while riding in your
vehicle.
- Extends to you or your family member
while riding as a passenger in someone else's vehicle or when struck
by a vehicle as a pedestrian.
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Deductibles
- The deductible is the amount of the
loss you agree to pay in the event of a claim or accident. Let's say
you have a $200 deductible. If you have a fender-bender, and the body
work costs $1150, you will pay the deductible - $250, and the
insurance coverage will pay the balance - $900.
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Damage to Your Vehicle -
Collision
- Covers all accidental damage to your
vehicle caused by collision from any object or by a vehicle overturned.
- Pays up to the actual cash value of
your vehicle, less the deductible you select.
- Coverage is normally required if your
vehicle is leased or if you have an outstanding loan on your vehicle.
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Damage to Your Vehicle -
Comprehensive
- Protects your vehicle by paying for
your losses resulting from fire, theft, falling objects, riots,
storms, earth quakes, floods, collision with a bird or animal or other
natural occurrences.
- Like Collision coverage, Comprehensive
generally includes a deductible.
- Comprehensive is normally required if
your vehicle is leased or if you have an outstanding loan on your
vehicle.
- Provides coverage for broken
windshields (full glass coverage is available at zero deductible).
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