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Motorcycle
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AMERICAN MODERN Motorcycle/ATV 

The Essentials

Liability Only. Protects you against liability for injuries to others, or property damage, as a result of a cycle accident.

Comprehensive/Collision. Protects your bike from damage resulting from fire, theft and most other perils, plus adds collision coverage for accidental damage to your bike. Add to your comprehensive policy by adding:  

Replacement Cost. This option replaces bikes up to two years old in the event of a total loss, without depreciation. If your bike is stolen or damaged beyond repair, we will pay up to policy limits to replace it with a new unit of like kind and quality.  

Motorcycle/ATV 

The Extras

Our top-notch motorcycle program expands beyond the standard coverages you expect.

Trike Conversions. This option is designed specifically for cycles that have been converted to a trike, or for those originally manufactured as a trike.

Accessories. All our policies cover permanently attached manufacturer and non-manufacturer accessories up to $3,000. Higher limits are available.

Cycle Safety Apparel. Our full coverage policies provide coverage on approved clothing and helmets if damaged in an accident – without a deductible.

Travel Loss Reimbursement.

  • Trip Interruption. Covers meals, lodging expenses and alternate transportation back home if a covered loss occurs 100 or more miles from home.
  • Towing and Emergency Road Service. We will pay the charges for towing and other emergency services.

Motorcycle/ATV 

The Discounts

You can save on your premium with credits for:

  • Homeownership
  • Multiple cycles and/or ATVs
  • Rider experience
  • Transfer discount
  • Safety course completion
  • Completing our “Coaching the Motorcycle Operator” online course
  • Claim-free renewal discount

To make your life a bit easier, we also offer:

Multiple Deductible Options.

Convenient Payment Options. We are happy to take your check or major credit card. For some products our electronic funds transfer (EFT) service deducts your payments from your checking account.

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AMERICAN RELIABLE MOTORCYCLE & ATV 

The American reliable insurance company motorcycle program is designed to provide a competitive market for both standard and non standard motorcycle risks 

Preferred Business 

  • Mature And Experienced Operators 
  • Good Driving Records 
  • Cycles Garaged 

Coverage Up To $30,000 Msrp 

  • Bodily Injury Liability 
  • Property Damage Liability 
  • Guest Passenger Liability 
  • Uninsured/Underinsured Motorists 
  • Pip 
  • Collision 
  • Other Than Collision 
  • Medical Service 
  • Road Rider 
  • Accessories And Add-On Equipment 
  • Income Loss 
  • Rental Reimbursement 

Motorcycle Types

  • Standard Motorcycle 
  • Cruiser Motorcycle 
  • Tour Motorcycle 
  • Sport Motorcycle 
  • High Performance Motorcycle 
  • Harley Motorcycle 
  • Atv & Scooter 

Discounts May Be Available 

  • Motorcycle Training Programs 
  • Over 55 Driver Training 
  • Motorcycle Association 
  • Theft Alarm 
  • Multi Unit Policy 
  • Claim Free Renewal
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