hi, i'm amy alward. i'm an allstate agencyowner with offices in the portland, maine, area. i'm here to talk about motorcycle insurance. a motorcycle insurance policy is a packageof coverages you select to help protect you and your bike. like car insurance, most statesrequire motorcyclists to carry a minimum amount of liability coverage. additional coverage, such as collision andcomprehensive, may be optional or required, depending on whether you own or finance yourmotorcycle. there was this one customer who was workingtoward getting his motorcycle license and called me to insure his new touring bike.
not too long after, i read about a terriblemotorcycle accident in the newspaper. then, the customer called me from the hospital. he wrecked his bike just after driving offthe dealership lot. he and his bike fell from an exit ramp onto the freeway and collidedwith a flatbed truck. fortunately, he was ok. he was wearing a helmetand leather gear, but he still had a broken leg and bad abrasions. he called me to help start a claim. his motorcycleinsurance policy included medical payments coverage, which helped pay a portion of hismedical bills. liability coverage helped pay for damage tothe truck he hit. finally, his motorcycle
was totaled. his collision coverage helpedreimburse him for the destroyed bike. in all, his insurance covered about $20,000,minus his $500 deductible. without motorcycle insurance, he would'vehad to pay much more out of pocket for expenses from the accident.
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