WHAT WE INSURE
Motorcycle Insurance Coverage Options - Ohio

ATTENTION: READ THE IMPORTANT STATEMENT AT THE END OF THIS PAGE*

• Liability Coverage
• Quality-Plus Package
• Accessory Coverage
• Roadside Assistance Coverage
• Discounts

Rider insures a wide range of motorcycles with insurance coverage options to satisfy the needs of our customers in Ohio. Motorcycles are classified as either regular motorcycles, or sport-high performance motorcycles. All of our motorcycle insurance policies insure individuals for recreational use only.

GENERAL MOTORCYCLE INSURANCE COVERAGE OPTIONS

The following coverage is included on all standard policies:

Underinsured/Uninsured Motorist Coverage
All policies, except for Mopeds, include at no additional cost uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for injuries by an uninsured or underinsured motorist who is at fault in an accident.

Guest Passenger Liability
All policies include at no additional cost guest passenger liability insurance. The limits of coverage for your passenger are the same as your bodily injury liability limits.

Medical Payment Coverage
Your policy of insurance provides Medical Payment Coverage according to the laws of Ohio. Medical Payment Coverages apply only to pedestrians when struck by your motorcycle. Medical Payment Coverages pay the cost of treatment up to $5,000 for the pedestrian from hospitals, doctors, and other medical providers. Medical Payment Coverage is not provided for vehicle, operator, or passenger.

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LIABILITY COVERAGE

The State of Ohio requires that all motorcycle operators carry minimum liability coverage. The State of Ohio minimum requirements are $12,500 bodily injury, $25,000 each accident, and $7,500 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault.

Rider offers a range of liability options above the standard liability limits.To Be Eligible for increased limits of liability, you must be 21 or older when policy starts.

There are additional liability options. For additional information regarding these options read below.

• Uninsured and Underinsured Liability Motorist Coverage is not applicable to Mopeds.
• Uninsured and Underinsured Liability Motorist Coverage is optional. However, we are required to include them in your policy unless you take the proper steps to reject them. If you wish to decline these coverages, the first named insured must sign the proper rejection forms. If you elect to have Uninsured/ Underinsured Liability Limits that differ from your Primary Liability Limits, you must contact our office for rates.

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QUALITY-PLUS PACKAGE

This package includes fire, theft, comprehensive, and collision coverage with the liability limits of your choice. Rider will pay up to $40,000 for any damages to or theft of an insured motorcycle, subject to your deductible and policy exclusions.

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ACCESSORY COVERAGE

Up to $8,000 in accessory coverage is included on all policies with the Quality-Plus Package insuring a non-sport bike or non-high performance bike over 551ccs or over, at no additional cost. This includes customized parts and equipment, helmet coverage, safety apparel and trip interruption.

Please read the Rider Accessory Detail Package Description.

Note: The Rider Accessory Package does not apply to any bike classified as a sport-high performance motorcycle.

ROADSIDE ASSISTANCE

Roadside Assistance coverage is included on all policies. It provides towing in the event your motorcycle is disabled.

• Towing up to 35 miles
• Mechanical or electrical breakdown
• Battery Jumpstart
• Flat tire towing (up to 35 miles)
• Lockout
• Emergency delivery of fuel, oil, water or other fluids (does not include cost of fluids).

DISCOUNTS

Rider Insurance offers three discounts and they are the following:

Multi Bike Discount:
A 10% discount applies to all policyholders who have more than one motorcycle on their policy at the same time.

Transfer Discount:
A 10 % discount is offered on non-sport bikes with no more than a 10-day lapse in coverage. The policyholder must be insured in the state of Ohio in order for the discount to apply. This is a one-time discount when first insuring with Rider Insurance.

Preferred Operator Discount:
A 25% discount is offered to any applicant, age 26 and over with a clean driving record, who is insuring a non-sport / non-high performance motorcycle, 751cc and over, for the Quality-Plus Package. A clean driving record is now defined as no moving violations that carry motor vehicle points and are not drug or alcohol related and no at fault accidents in the past three years.

Renewal Discount:
1st Year - 5%
2nd Year - Additional 5%
3rd Year - Additional 10%
This discount is automatically calculated at the time of renewal. It only applies to policies maintaining continuous coverage.

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*The information on this page is intended to be advertising statements, and is not an offer or promise of insurance coverage, nor should this information be relied on when determining the actual terms, conditions, and exclusions that apply to a specific insurance policy.