motorcycle insurance protecting your dreams

Transcription

1 motorcycle insurance protecting your dreams

2 let s ride. The freedom of the open road feels even better the less you have to worry about. But protecting yourself on a cycle involves more than leather and a helmet. With American Family, you can rely on our coverage, count on our competitive rates and know you have an agent who s got your back. American Family Insurance covers touring bikes, scooters and virtually everything in between. Whether you re dreaming of a cross-country trip, participating in a charity ride or simply motoring to the store, you can ride with confidence knowing that you re on the road with first-rate coverage.

3 Property This coverage pays to repair or replace your motorcycle if it s damaged or stolen. Collision coverage is for losses caused by collision with other vehicles or objects, regardless of who is at fault. Comprehensive coverage is for losses not caused by collision such as theft, fire or weather. Customization coverage for additional equipment, devices, accessories, changes and enhancements added after the cycle is manufactured, such as: liability Liability coverage protects your finances. If you accidentally injure someone or cause damage to the property of others while riding your motorcycle, certain legal and medical expenses are covered. Defense Costs Emergency First Aid Passenger Liability Coverage Non-owned Cycle Saddle Bags Custom Paint Sissy Bar Trunk Custom Chrome Luggage Rack Custom Seat Side Car Highway Bars Trailer Higher Liability Limits Want extra coverage? Ask your agent about increased liability limits. Safety Riding Apparel coverage for helmets, leathers and other safety apparel.

4 additional coverage Depending on your situation you may choose to add (or your state may require you to carry) the following additional coverages. Medical Expense Coverage Pays covered medical expenses and funeral services ($2,500 maximum for funeral expenses), resulting from death or bodily injury sustained while driving or riding on your motorcycle. Uninsured Motorist Coverage Provides payment for covered damages for bodily injury or death if you or any person riding on your motorcycle is injured or killed in an accident by an at-fault uninsured vehicle, or if the driver at fault is never identified. Underinsured Motorist Coverage When you purchase this coverage, we will pay covered damages for bodily injury if you or any person riding on your motorcycle is injured or killed by an at-fault driver who has liability limits that are (depending on the state) less than the Underinsured Motorist limits you have selected, or are less than the amount you are legally entitled to recover. Emergency Road Service Covers towing your cycle to the nearest garage or mechanical labor up to one hour at the place of your cycle s breakdown. Also assists if you should run out of gas or oil, have a dead battery or need a tire change (the cost of the delivered item is not included). Towing your cycle out if it is stuck on, or immediately next to, a public road or highway is also covered. claims We re right behind you. Even when you re out on the road, you re never far away from someone who can help. If you need to make a claim you ve got an agent who knows you and a claims representative who s ready to step in and smooth things out. You may report a claim to your agent, call our 24-hour claims line at MY AMFAM ( ) or submit a claim online at amfam.com. Discounts Ask your agent if you qualify for money-saving discounts by insuring both your cycle and home, multiple cycles or certain types of touring cycles with American Family. Discounts may vary by state, property policy form and company underwriting the cycle policy. Discounts may not apply to all coverages on a cycle or property policy. You may also save on your motorcycle insurance premiums under the 50+ Premium Plan. Please refer to the policy for exact terms, limitations and exclusions. Financial Responsibility Filing American Family may provide this service if you have lost your license and are required to file an SR-22 form to comply with financial responsibility laws. There may be a small one-time filing fee in some states. (Not available in Ohio or Wisconsin.) Availability and eligibility may vary by state, policy type and terms, property policy form and company underwriting the auto policy.

5 All your protection under one roof Auto HOME Business Life Visit amfam.com to find an agent near you for a FREE no-obligation Personal Insurance Review. The trusted advice of an American Family Insurance agent will give you the confidence and security to pursue your dreams, no matter how they change along the way, and make sure that you have protection for everything that matters most to you. We offer a variety of insurance products to cover you, and your family, at every stage in life. Talk to an agent to find out which discounts you may qualify for and other ways to save! This brochure represents only a brief description of coverages. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. Please check with your agent and read the policy for exact details on coverages and exclusions. Annuities and life insurance policies are issued by American Family Life Insurance Company other products are underwritten by American Family Mutual Insurance Company, American Family Insurance Company, American Standard Insurance Company of Ohio and American Standard Insurance Company of Wisconsin, 6000 American Parkway, Madison, WI Printed on recycled paper. Please recycle. ADA ADVANCE Rev. 07/