Motorcycle Insurance Oregon City
In addition to home, auto, life, RV/ATV, and business insurance, Schmidt Insurance Group also covers motorcycle insurance for residents of Oregon City, OR. The more you cover with us, the more you save!
Schmidt Insurance Group has proudly served the states of Oregon and Washington since 2019. Our team consists of born-and-raised Oregonians who are specially trained in high-net-worth households and can help you find the exact amount of coverage you need.
Because the agents and staff of Schmidt Insurance Group are residents of the Pacific Northwest, you can be sure they know your town and your needs. We are available by phone or in person. If you have a question or need to file a claim, you can count on us to respond quickly with the service and support you need.
What Motorcycle Insurance Covers?
Motorcycle and auto insurance are quite similar. Both protect your vehicle if it’s stolen or damaged, and both provide coverage for medical and liability expenses if you, your passenger, or someone else is hurt in an accident. Coverage categories often include:
- Liability insurance: Liability coverage can cover the costs if you cause an accident, damage someone’s property, or injure someone while on your bike.
- Personal injury protection (PIP): If you’re concerned about wiping out, increase your personal injury protection coverage. It covers medical expenses, lost income, and related damages that you cause to yourself or people riding with you.
- Collision insurance: No matter who is at fault, this coverage can help pay to repair your damaged bike after a collision with another vehicle or object, such as a fence.
- Comprehensive insurance: This coverage protects you in the event of non-collision damage, such as damage to your bike from vandalism, fire, or theft.
- Uninsured/underinsured motorist coverage: This coverage can help cover your costs if another driver causes an accident but does not have liability insurance or can’t cover the full cost of the damages or injuries they cause to you or your motorcycle.
Add-on Coverage
Motorcycle insurance also offers many add-on options. They usually have defined coverage limits, so you will have to decide if they are right for your motorcycle needs. They include:
Roadside assistance: If your bike breaks down, this add-on includes coverage for towing (up to a specified distance) and minor at-site mechanical repairs to make it operable again. .
Trip interruption coverage: This helps cover lodging, transportation, and food if you get into a collision and can’t ride your bike. This usually has to be if something happens 100+ miles from home.
OEM coverage: Original equipment manufacturer parts guarantees that any repairs to your bike will use the original manufactured parts, not cheaper or different-maker replacements.
Custom parts coverage: A standard policy won’t usually cover the custom parts, accessories, or features you’ve added to your bike. To better protect your motorcycle, consider adding custom parts and equipment coverage to your motorcycle insurance policy.
Additional accessories coverage: In addition to the bike itself, you may also be able to cover the items you need to ride it safely, such as helmets and riding leathers.
As you look for the best, most affordable motorcycle insurance in Oregon City, OR, get quotes from a leading insurance company in the area like Schmidt Insurance Group. Reach out to us at (503) 206-0881 for more information.
