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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 Farmers Insurance offer?
Farmers Insurance provides standard coverage to protect you from the risks of the ride.
Liability. Pay for repairs to another driver’s vehicle or for bodily injuries for an accident where you’re at fault.
Collision. Get your motorcycle repaired after you hit another vehicle or object.
Other than collision. Cover accidents that don’t involve the usual vehicle collisions — such as theft, storms or falling tree branches.
Uninsured and underinsured motorist. Get protection from drivers who don’t have enough insurance to pay for your damages.
Medical payments. Cover expensive medical payments related to a motorcycle accident.
What extra benefits and add-ons does Farmers Insurance offer?
The company features several Motorcycle Choice options that bundle popular features into one package. You can also customize the package further with add-ons:
Saver package. Get first accident forgiveness, plus $500 of safety apparel coverage.
Plus package. Receive trip interruption, towing, roadside assistance, $3,500 for optional equipment, $1,500 for safety apparel and total loss replacement for up to two years at new motorcycle value.
Elite package. Get diminishing deductible and waiver, enhanced rental coverage, $2,000 for personal effects, $2,500 for safety apparel and $5,000 for optional equipment. Plus, receive total loss replacement for up to five years at new motorcycle value.
Vintage package. Protect your vintage bike with increased coverage specialized just for it. This applies to well-maintained bikes that are older than 25 years.
Custom package. Cover limited-edition motorcycles or those that have over $30,000 worth of optional equipment.
Low-speed package. Save money on your low-power motorcycles that are driven around neighborhoods and private roads.
Increased liability. Protect yourself from damages to another driver or vehicle with raised limits.
Equipment coverage. Purchase up to $15,000 of optional equipment coverage.
Transport trailer. Cover your bike trailer for damages up to $7,500.
Frequently asked questions about Farmers motorcycle insurance
Using one of the Farmers GRP shops may mean an easier process when dealing with repairs for claims. The GRP shop will provide copies of its estimate to both you and to Farmers Insurance.
Also, repairs at a GRP shop are guaranteed against its quality and workmanship for as long as you own your vehicle.
Farmers will provide you with a claims representative who is familiar with that state’s specific laws. The company will also set up a claims inspection for your vehicle in whichever state is most convenient for you.
Contact a Farmers representative or local agent to report the suspected fraud. Farmers may have its Special Investigations Unit investigate the claim.
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