INSURING YOUR MOTORCYCLE Motorcycle Insurance with Pioneer State Mutual

Liability Coverages

Michigan law requires owners and operators of motorcycles licensed for road use to carry these specific mandatory coverages.

Bodily Injury Coverage (BI)

  • Limits: You select
  • Pays for: Bodily injury to others

Property Damage Coverage (PD)

  • Limits: You select
  • Pays for: Damage to others' property
Your deductible is the amount you will pay out of pocket before your insurance begins to pay.

Optional Liability Coverages

Uninsured Motorist Coverage (UM)

  • Limits: You select
  • Pays for: Bodily injury to you if you are involved in an accident with a liable uninsured motorist.

Underinsured Motorist Coverage (UIM)

  • Limits: You select
  • Pays for: Bodily injury to you if you are involved in an accident with a liable motorist without enough Bodily Injury Coverage.

Collision Coverage

Provides coverage for your motorcycle if it is damaged* due to a collision with another vehicle or object.

  • Covers motorcycle repairs: Regardless of fault
  • Deductible: Only if you are at fault

Optional Motorcycle Coverages

  • Roadside Assistance
  • Increased Limits for Rider Safety Apparel Coverage**
  1. Helmets
  2. Riding clothing, boots, gloves
  3. Protective eyewear/earwear
  • Excess Electronic Equipment Coverage (Permanently installed equipment)
  • Loan/Lease Coverage
  • Trip Interruption
  • Transportation Expense Coverage
  • Motorcycle Medical Payments
  • Increased Limits for Customized Equipment Coverage
  1. Saddlebags
  2. Fairings & windshields
  3. Body, engine & exhaust enhancers
  4. Luggage racks, light bars, sissy bars
  5. Safety guards & crash roll bars
  6. Custom plating, exhaust, seats, wheels or tires
  7. Custom chrome, murals, paintwork, decals
  8. Sidecars

**Coverage applies following a collision with another vehicle or object.

Comprehensive Coverage

(Other than Collision Coverage)

Covers damages* to your vehicle caused by risks such as:

  • Theft of your motorcycle
  • Vandalism
  • Impact with an animal
  • Fire or water
  • Flying/falling objects
  • Glass damage

This coverage is subject to your deductible.

*Original Equipment Manufacturer (OEM) parts will be used when replacing damaged OEM parts.

Check out our mobile app! With it you can pay your bill, report a claim, call for Roadside Assistance, and even access your Proof of Insurance!

Check out our Mobile App!

This brochure is intended to be a broad summary of the insurance coverages provided by a Personal Auto Policy - specifically for Motorcycles. The information here is subject to policy terms and exclusions and does not replace your policy language. Read your full policy carefully, and ask your Independent Insurance Agent if you have specific questions.