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Motorcycle Insurance FAQs

What are my Florida motorcycle insurance coverage options?

Carpenter Insurance works with several top motorcycle insurance companies to help ensure we can offer you the coverage you want and need at the very best possible price.  Our motorcycle insurance experts will work with you to design a policy that provides you with the level of financial protection you need for you and your bike.

Your motorcycle insurance coverage options include:

We work with top motorcycle insurance carriers to ensure you get the best coverage to fit your needs at the best possible price.Bodily Injury & Property Damage Liability  — Covers you  for an accident that injures you or another person or damages property, up to the limits you select.

Comprehensive & Collision — This motorcycle insurance coverage pays to repair or replace your motorcycle if it’s stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket and rest is covered by the insurance company

Uninsured/Underinsured Motorist — If you have an accident with someone who doesn’t have insurance or doesn’t have enough insurance, this coverage will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.

Medical Payments — Covers the cost of necessary medical care you receive as the result of a motorcycle accident.

Custom Parts & Equipment — When you purchase Comprehensive or Collision motorcycle insurance coverage it will include a limited amount of protection for custom equipment.  You may also purchase additional custom parts and accessory coverage that exceeds the included protection.

Roadside Assistance — If your motorcycle breaks down, Roadside Assistance will pay to tow it to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:  Mechanical or Electrical breakdown, Dead battery, Flat tire, Lockout, Insufficient supply of fuel, oil, water, or other fluids; Entrapment in snow, mud, water, or sand within 100 feet of the roadway.

At Carpenter Insurance, we know how important it is to choose the right motorcycle insurance. With so many motorcycle insurance policies to look at, we provide the information you need to make the best decision. Carpenter Insurance can get you coverage for many types of bikes and ATVs including Cruisers, Limited Production Cruisers, Street Sports, High Performance, Touring, Sport Touring, Mopeds, Scooters, and Trikes. We even offer motorcycle insurance for older bike models.


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