We know you love your motorcycle—it’s more than a ride, it’s a lifestyle. But is your insurance actually keeping up?
Most riders don’t realize their policy has major gaps… until something goes wrong. Here are 5 signs your motorcycle insurance might not be good enough—and what to do about it.
1. You Only Have Minimum Liability
Liability is required by law, but minimums aren’t enough. One serious accident could cost way more than your state’s limits. A proper motorcycle policy should offer higher liability limits—without breaking your budget.
2. Your Coverage Doesn’t Include Your Gear
Helmets, jackets, gloves, saddlebags, and custom parts can add up fast. If your policy doesn’t include accessory coverage or has a very low limit, you could be paying out of pocket to replace everything.
3. You Don’t Have Uninsured/Underinsured Motorist Coverage
Some drivers don’t carry enough insurance—or any at all. If they hit you, your UM/UIM coverage steps in to protect your medical bills and bike damage. It’s one of the most overlooked but important coverages for riders.
4. You’re Using a General Auto Agent, Not a Motorcycle Specialist
Most auto agents don’t ride—and don’t understand what motorcycles really need. At Twin Peaks Insurance, we write with specialty carriers like Progressive, Foremost, and National General—companies that actually get motorcycles and have dedicated claims teams for bikes.
5. You Haven’t Reviewed Your Policy in Over a Year
Bike values change. So do your needs. You may have switched bikes, moved, added a passenger, or changed how often you ride. A quick review could unlock discounts or better protection for the same price—or less.
Protect Your Ride with the Right Coverage
Whether you’re on a cruiser, sportbike, touring machine, or a weekend classic—our team knows how to build policies that actually fit you.
- Carriers that know motorcycles
- Coverage for gear & accessories
- Bundles available with your RV, auto, or trailer
- Licensed in 40+ states