Motorcycle Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Motorcycle insurance policies are like auto insurance policies, but they’ve been specially adapted for motorcycles. The combination of coverage’s they offer is often slightly tweaked to meet the unique needs of riders.

Residents who ride a motorcycle need a motorcycle policy. State law requires that anyone who operates a vehicle, including a motorcycle, on public roads maintenance and insurance policy that includes at least minimum levels of coverage.

Personal Injury Protection (PIP)
Bodily Injury Liability Coverage
Comprehensive and Collision Coverage

What is Motorcycle Insurance?

Riding a motorcycle is great fun, but it comes with a given amount of risk. In addition to the physical risk that riders assume, they also accept some financial risk. Each year, thousands of motorcycle accidents result in significant settlements. Motorcycle insurance doesn’t protect Massachusetts riders from the physical risks they face, but it may help mitigate financial risks that come with riding.

Motorcycle insurance policies are like auto insurance policies, but they’ve been specially adapted for motorcycles. The combination of coverages they offer is often slightly tweaked to meet the unique needs of riders.

What Coverages Are Available Through Motorcycle Policies?

Some of the coverages that are available through motorcycle policies are similar to those found in auto policies. For example, many motorcycle policies provide:

Personal Injury Protection (PIP), which normally covers injuries sustained by people on a bike
Bodily Injury Liability Coverage, which normally covers injuries sustained by other people
Comprehensive and Collision Coverage, which normally covers damage sustained by a bike
Property Damage Liability Coverage, which normally covers damage caused to other property
Uninsured and Underinsured Motorist Coverage, which normally covers accidents caused by other people who aren’t properly insured

In addition to these, some motorcycle policies also make other protections available. For example, a policy might offer:

Accessories and Customer Parts Coverage, which may cover aftermarket parts
OEM Parts Coverage, which might guarantee covered repairs are made using OEM parts
Personal Belongings Coverage, which may cover belongings carried on a bike

TESTIMONIALS

Customers Love Us

When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

Tony Bartolo

Lynnfield, MA
One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

Kelly Ilebode

Boston, MA

Who in Massachusetts Needs a Motorcycle Policy?

Most Massachusetts residents who ride a motorcycle need a motorcycle policy. State law requires that anyone who operates a vehicle, including a motorcycle, on public roads maintenance and insurance policy that includes at least minimum levels of coverage.

In addition to motorcycle owners, people who have a scooter or moped may also be interested in this type of policy. A motorcycle policy can sometimes be adapted to insure a scooter or moped.

Are Motorcycle Policies Expensive?

As is true with auto insurance and many other insurance policies, the premiums charged for motorcycle policies vary. Insurance companies take into account many factors when calculating how much policies cost. Some of the items they may consider include:

How large a bike is
What type of motorcycle a bike is
What aftermarket parts have been added onto a bike
How much experience the rider has
What the primary rider’s past record is like

Of course, the coverages chosen also play a role in how much a policy costs.

Do Motorcycle Owners Need Coverage During Winter?

Riders who store their bikes during winter may be able to save money by reducing coverages during the off-season, but it’s usually not wise to cancel a policy altogether.

Canceling coverage can leave a bike unprotected from damage, and it can result in a coverage gap. Gaps can lead to higher premiums in the future.

An alternative is to reduce coverages during winter while a bike is in storage. Some insurers offer comprehensive-only policies for very low rates. These policies may insure a bike against damage, and they usually can be used to maintain continuous coverage.

Riders who are interested in altering coverages based on the season should talk with an independent insurance agent who’s familiar with motorcycle policies. Such an agent will know what options are available and be able to compare the various options that different insurers offer.

How Can Massachusetts Riders Get Motorcycle Insurance?

For help finding motorcycle insurance, contact the insurance agents at Paul T. Murphy Insurance. We’ve helped many riders in Massachusetts find a policy that’s affordable and offers robust coverage, and our independent agents will be happy to assist you.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

What is Motorcycle Insurance?

What Coverages Are Available Through Motorcycle Policies?

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TESTIMONIALS

Customers Love Us

Frank

Tony Bartolo

Kelly Ilebode

Who in Massachusetts Needs a Motorcycle Policy?

Are Motorcycle Policies Expensive?

Do Motorcycle Owners Need Coverage During Winter?

How Can Massachusetts Riders Get Motorcycle Insurance?

Get a Free Motorcycle Insurance Quote!