Motorcycle Insurance

Ride Free, Ride Protected.

Motorcycle riding offers unparalleled freedom, but it comes with unique risks. Motorcycle insurance is an essential policy that provides financial protection in the event of an accident, theft, or other damage to your bike. More importantly, it provides critical liability protection against legal costs and damages if you are responsible for an accident involving another person or their property. Whether you ride a classic cruiser, a custom chopper, a sport bike, or even a moped, LINDAN Insurance has the tailored protection you need to hit the open road with confidence.

Why Choose LINDAN Insurance for Your Motorcycle Coverage?

Motorcycle insurance is highly specialized, and not all carriers offer the same level of protection for riders, custom bikes, and riding gear. As your independent agents, we know exactly where to look to secure the right fit.

Here are the LINDAN advantages:

• The Independent Agent Advantage: LINDAN Insurance is an independent agency, meaning we work for you, not a single company. We partner with carriers who specialize in motorcycle insurance, from those who cover classic bikes to those who offer the best protection for highly customized rides. We shop the market to find the perfect balance of comprehensive coverage and the most competitive premium available.

• Protection for Custom Bikes and Gear: If you’ve invested heavily in custom parts, chrome, sidecars, custom exhaust, or high-end riding apparel (like helmets and chaps), standard policies may not cover their full value. We ensure your policy includes adequate limits for Custom Parts and Equipment and Safety Apparel coverage.

• Maximum Discounts for Responsible Riders: Safe riding pays off. Our agents will secure every available discount for you, including savings for:

  • Completing safety training courses.

  • Having a good driving record.

  • Belonging to a riding association.

  • Insuring multiple vehicles (Auto/Motorcycle Bundle).

• Guaranteed Policy Integrity: Whether you need liability only or full replacement cost coverage for a new bike, we customize your policy to meet state legal requirements and your personal financial risk tolerance.

What Does Motorcycle Insurance Cover?

A well-rounded motorcycle policy protects you, your bike, and your financial future through various key components:

1. Essential Liability Coverage (Mandatory)

This is legally required in most states and protects you if you are at fault in an accident:

• Bodily Injury Liability: Covers medical expenses, lost wages, and pain and suffering for the other party involved.

• Property Damage Liability: Covers repairs or replacement costs for the other party’s vehicle or damaged property.

2. Protection for Your Bike

These coverages protect your motorcycle itself:

• Collision Coverage: Pays for damage to your bike resulting from a collision with another vehicle or object, regardless of fault.

• Comprehensive Coverage: Pays for loss or damage due to non-collision incidents, such as theft, vandalism, fire, or weather-related damage.

• Total Loss Replacement (Optional): For newer bikes, this pays the full cost to replace your totaled motorcycle with a brand-new, comparable model, often without depreciation.

3. Protection for You and Your Expenses

These coverages help cover your own costs after an accident:

• Medical Payments / PIP: Covers medical expenses for you and your passengers, regardless of who is at fault.

• Uninsured/Underinsured Motorists (UM/UIM): Pays for your injuries and damages if you are hit by a driver who has no insurance or insufficient insurance to cover your costs.

• Roadside Assistance: Provides towing and roadside service if your bike breaks down.