What is
Motorcycle Insurance
At Danilovic Agency, we know that riding a motorcycle is about freedom, adventure, and the open road. But it also comes with risks — from accidents and injuries to theft or unexpected breakdowns. That’s why we provide customizable motorcycle insurance policies designed to protect you, your bike, and your passengers. Whether you’re cruising the highways or navigating Arizona’s city streets, we’ll make sure you’re covered so you can ride with confidence.
What Does Standard Motorcycle Insurance Cover?
Our standard motorcycle insurance policy helps protect you in the moments that matter most, with coverage for:
- Bodily injury, property damage & passenger liability – Covers injuries or damage you cause to others in an accident, including your passenger’s medical expenses.
- Collision coverage – Pays for repairs or replacement if your bike is damaged in a crash, regardless of who’s at fault.
- Collision deductible waiver – If you’re hit by an uninsured motorist, your deductible is waived — meaning no out-of-pocket costs for you.
- Comprehensive coverage – Protection against theft, fire, vandalism, weather damage, and more.
- Customization coverage – Your bike is unique, and this coverage helps protect aftermarket parts or custom upgrades.
- Motorcycle gear protection – Helmets, jackets, and protective gear are essential. We’ll cover damage or loss after a covered incident.
- Accident forgiveness – Your first at-fault accident won’t automatically raise your rates, as long as you’ve had a clean riding record.
Optional Coverages for Extra Protection
Want more peace of mind? Add these optional coverages to your policy:
- Medical Expense Coverage – Helps pay for your medical bills after an accident, regardless of who caused it.
- Uninsured / Underinsured Motorist Coverage – Protects you if you’re in an accident with a driver who doesn’t have enough insurance.
- New Vehicle Replacement – If your motorcycle is totaled in its early years, we’ll help replace it with a brand-new model, not just the depreciated value.
- Loan or Lease Assistance (GAP Coverage) – If you owe more on your bike than its current value, GAP coverage helps cover the difference after a total loss.
- Accidental Death & Dismemberment Benefits – Provides financial support to you or your loved ones in the event of a severe or fatal accident.
- Road Trip Accident Accommodations – Covers hotel stays, meals, and transportation if you’re stranded far from home after an accident.
- Emergency Roadside Service – 24/7 roadside help for flat tires, dead batteries, or running out of gas — anytime, anywhere.
Do You Have Enough Coverage?
Arizona requires every driver to carry a minimum level of auto insurance, but in many cases those limits aren’t enough to fully protect you. Medical bills, lawsuits, or repair costs can quickly exceed the state minimums, leaving you personally responsible for the difference.
At Danilovic Agency, we go beyond the basics — helping you meet state requirements while also customizing a policy that truly fits your needs and budget.