Ride with confidence and protection. Before you hit the highways of New Hampshire, Maine, or Massachusetts, it is a good idea to make sure you have an adequate motorcycle insurance policy.
As a bike owner, it is important to recognize all of the possibilities of what could happen while out on a joy ride. While we always hope you do not end up in a situation where your policy is needed, it is important to have it at the ready if the situation ever presents itself. A motorcycle policy can cover anything from your bike tipping over in the wind and getting damaged, to a full-on collision with another bike or vehicle.
Aside from an insurance policy being important on its own, if you decide to take out a loan for the bike many loan companies require that insurance policy. Some even require certain amounts of coverage. Be sure to discuss this with your loan officer, see what they require of you and your insurance policy, and we will be happy to get you a quote.
Liability Takes Care of Your Passengers
A comprehensive policy includes liability and medical payments coverage. If you wipe out a passenger on the back, now the policy will not only protect you and your medical bills but now will help with the medical bills of your passenger. Liability coverage protects you if you’re found at fault for an accident where another person’s property is damaged, or they are injured in the crash. Your liability coverage will pay out for medical bills, lost wages, and damages – but only up to the limits set on your policy.
If you’re sued, liability insurance can pay for your defense up to your policy limits.
Medical payments coverage pays for necessary medical treatment for you and any passengers up to the chosen dollar limit.
New Hampshire, Maine, and Massachusetts do have different insurance requirements for motorcycle policies. It is our goal at Keslar Insurance to make sure that your policy fits into those requirements based on your state, and that you are always properly insured.
Give us a call today to learn more about motorcycle coverage and to get a quote on the perfect policy for you, with just the right price.
ATV Insurance in New Hampshire, Maine, and Massachusetts
An all-terrain vehicle, or ATV, is defined differently in each state. Generally though, they are defined as a motorized vehicle meant for off-road driving that has two or more wheels on it.
An all-terrain vehicle, or ATV, can be dangerous; however, insurance is available to help pay for any medical expenses or liability concerns that may arise. Depending on how you intend to use the vehicle, the coverages that you may want or need can vary. In general, you should make sure that you cover any concerns related to accidents and that you have protection against common injuries. Additional coverage can also help pay for any damages to your ATV and protect against theft.
Motorcycle, ATV & Snowmobile Insurance – Frequently Asked Questions
1. Do I need insurance for my motorcycle, ATV, or snowmobile?
It depends. For motorcycles, in some states, insurance is typically required by law if you’re riding on public roads. For ATVs and snowmobiles, insurance requirements vary by state and how/where you operate them. Even when not required, it’s highly recommended to have insurance for all three vehicle types to protect against liability, theft, and damage.
2. What types of coverage are available for motorcycles, ATVs, and snowmobiles?
Standard coverage options include liability, collision, comprehensive, uninsured/underinsured motorist, and optional protection for accessories or custom equipment. Motorcycles often follow similar coverage structures to auto insurance, while ATVs and snowmobiles may fall under recreational vehicle policies but can be insured just as thoroughly.
3. Is liability insurance required for all three?
In many cases, motorcycle riders may need to carry liability coverage if operating on public roads. Liability coverage is not always required for ATVs or snowmobiles, but it’s strongly advised, especially if you ride on public land, trails, or participate in organized events. Liability coverage helps protect you if you cause injury or property damage to others.
4. Does my homeowners or auto insurance cover my motorcycle, ATV, or snowmobile?
Typically not. Homeowners insurance may provide limited coverage for ATVs or snowmobiles stored on your property, but it won’t cover them while in use. Motorcycles are excluded from both homeowners and auto policies. To be properly protected, you’ll need a separate policy tailored to each vehicle type.
5. Can I bundle motorcycle, ATV, and snowmobile insurance with my other policies?
Yes! Many insurance companies offer bundling discounts when you combine these recreational vehicle policies with your home, auto, or umbrella insurance. Bundling can save you money and simplify policy management.
6. How are premiums calculated for each vehicle type?
Premiums are based on several factors, including the vehicle type and engine size, your location, storage setup, riding history, usage frequency, and chosen coverage limits. Motorcycle insurance can be higher, particularly for sport or high-performance bikes, due to increased accident risk. ATVs and snowmobiles typically cost less unless used frequently or in high-risk areas.
7. What if I only use my ATV or snowmobile seasonally?
Great question. In some cases, you can choose seasonal coverage or policies that allow you to adjust or pause certain protections during the off-season, while still maintaining coverage for theft or storage-related incidents year-round. But note, fewer carriers are allowing this option for several reasons.
8. Are accessories and custom parts covered?
Most policies offer optional coverage for accessories and customizations, like upgraded seats, windshields, lights, saddlebags, or paint jobs. If you’ve modified your vehicle, let your agent know so your policy reflects the true value of your ride.
9. Are passengers covered under my policy?
Motorcycle insurance often includes or offers guest passenger liability, but for ATVs and snowmobiles, passenger coverage may not be automatic. It’s important to check your policy or request an endorsement if you frequently carry passengers.
10. What types of claims are most common for motorcycles, ATVs, and snowmobiles?
The most common claims include theft, accidents with other riders, collisions with stationary objects, rollovers, and personal injury. Comprehensive insurance is key for theft or vandalism, while liability covers injury or damage you cause to others.
