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Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She especially loves breaking down car insurance into simple terms that everyone can understand.
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What motorcycle insurance coverage does Dairyland offer?
Dairyland provides coverage for your basic needs on the road:
Bodily injury. Pay for lost wages, medical and funeral expenses for another driver if you’re at fault.
Property damage. Cover damages to someone else’s property during an accident.
Collision. Pay for repairs when your bike gets damaged during an accident. This also includes damage caused by tip-overs.
Comprehensive. Cover damages related to accidents that don’t involve hitting another vehicle or object — like from theft, storms and falling tree branches.
Uninsured/underinsured motorist. Protect yourself from at-fault drivers who don’t carry enough insurance to cover your property damages or physical injury expenses.
Medical expenses. Get coverage for medical bills for you and your passengers.
Personal injury protection. Like medical expense coverage, this pays for medical bills for yourself and anyone else covered by your policy. This coverage also includes non-medical expenses like lost wages and funeral costs. You may be limited on this type of coverage, depending on your state.
Which states does Dairyland cover?
Dairyland only provides coverage in 37 US states. States not covered include:
What extra benefits and add-ons does Dairyland offer?
This company goes beyond standard coverage to provide you with extra protection:
Physical damage plus. Make sure your motorcycle gets its original parts when repairing physical damages.
Guest passenger. Gain extra coverage for physical injuries to passengers along for the ride.
Replacement cost. Get the full cost of a new bike if you’re involved in a total loss accident. This includes permanent equipment that you customized on your bike that doesn’t come factory standard.
Optional or special equipment. Pay for repairs or losses involving options that aren’t factory standard. This coverage applies to amounts that exceed standard equipment that you’ve replaced with optional features.
Roadside assistance. Get assistance if you experience trouble on the road, including gas delivery, tire repairs and battery jumping.
Trip interruption. Pay for trip expenses if you’re stuck more than 100 miles from home. Expenses included are food, lodging, lost deposits, transportation and towing.
Rental reimbursement. Pay for an eligible rental vehicle so you can still get around while your motorcycle is being repaired.
Frequently asked questions about Dairyland motorcycle insurance
You are required to get motorcycle insurance in every state except Florida, New Hampshire, Washington and Montana. However, New Hampshire riders will still be held liable for at-fault accidents.
Insuring your bike while in storage is a personal decision. However, keep in mind that your bike can still get stolen or experience noncollision damages. These would be covered under comprehensive coverage.
You can find a variety of safety courses on the Motorcycle Safety Foundation website. Other providers may also offer safety courses in your area.
An SR-22 is a document that proves you have met the minimum insurance requirements for your state. If you’re required to file an SR-22 with your state, you’ll receive notice from a judge in court or your state motor vehicle department.
Normally, those required to file an SR-22 document have either been caught driving without insurance or without a license, had too many traffic or accident violations, received a DUI or DWI or failed to pay court-ordered child support.
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