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West Virginia motorcycle insurance

WHAT WE INSURE : WEST VIRGINIA

West Virginia Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options

ATTENTION: Read This Important Statement

The information on this page is intended to be advertising statements, and is not an offer or promise of insurance coverage, nor should this information be relied on when determining the actual terms, conditions, and exclusions that apply to a specific insurance policy.

 

 

General Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options for West Virginia

Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in West Virginia. All of our insurance policies insure individuals for recreational use only.

All of our insurance policies include the following:

Uninsured Motorist Coverage/Underinsured Motorist Coverage

All policies, excluding moped policies, include uninsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for damages to your vehicle or injuries caused by an uninsured motorist who is at fault for an accident. There is a separate coverage called underinsured motorist coverage. West Virginia does not require you to have this. We include it in our quotes unless you tell us not to do so. Underinsured motorist coverage allows you to obtain payment from us if the person who caused the accident does not have enough insurance to cover your damages.

Guest Passenger Liability

All policies include guest passenger liability insurance at no additional cost. The limits of coverage for your passenger are the same as your bodily injury liability limits.

Medical Payment Coverage

Your policy of insurance provides Medical Payment Coverage according to the laws of West Virginia. Medical Payment Coverages apply only to pedestrians when struck by your motorcycle. Medical Payment Coverages pay the cost of treatment up to $5,000 for the pedestrian from hospitals, doctors, and other medical providers. Medical Payment Coverage is not provided for vehicle operator or passenger.

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LIABILITY COVERAGE

The State of West Virginia requires that all motorcycle operators carry minimum liability coverage. The State of West Virginia minimum requirements are $20,000 bodily injury, $40,000 each accident, and $10,000 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault. Rider offers a range of liability options higher than the standard liability limits.

Rider offers a range of liability options higher than the standard liability limits.

$50,000 Bodily Injury - Each Person

$100,000 Bodily Injury - Each Accident

$25,000 Property Damage

$100,000 Bodily Injury - Each Person

$300,000 Bodily Injury - Each Accident

$50,000 Property Damage

$250,000 Bodily Injury - Each Person

$500,000 Bodily Injury - Each Accident

$100,000 Property Damage

 

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QUALITY-PLUS PACKAGE

This package includes fire, theft, comprehensive, and collision coverage with the liability limits of your choice. Rider will pay up to $40,000 for any damages to or theft of an insured motorcycle, subject to your deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for this coverage.

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ACCESSORY COVERAGE

Up to $8,000 in accessory coverage is included on all policies with the Quality-Plus package insuring a non-sport bike or non-high performance bike 551ccs or over, at no additional cost. This includes customized parts and equipment, paint, helmet coverage, safety apparel and trip interruption.

The coverage is in excess of the up to $40,000 limit on the Quality-Plus package.

Please read the Rider Accessory Detail Package Description.

Note: The Rider Accessory Package does not apply to any bike classified as a sport or high performance motorcycle.

ROADSIDE ASSISTANCE

Roadside Assistance coverage is included on all policies. It provides towing in the event your motorcycle is disabled.


DISCOUNTS

Rider offers motorcycle insurance discounts - click here for more information

 

 

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