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Motorcycle Insurance

Massachusetts insurance laws do not require motorcyclists to insure themselves as fully as they can and should. It is wise to review your accidental injury insurance policy to ensure that you and your family are protected in the event of a motorcycle accident. While it is important to consult with a professional motorcycle insurance provider before choosing the best policy for you, we believe in the value of providing bikers with information on some of the insurance options that are available to them, and the terminology involved, so that motorcyclists can make the best decisions possible to protect themselves.

Collision Coverage: Pays for the damage caused to the owner’s motorcycle from a collision with another motor vehicle or object. The deductible is the amount you choose to pay up front before the motorcycle insurance policy pays, in other words, what you, the insured, pay to contribute to the damages. The higher the deductible you select, the lower the collision coverage premium you pay.

Comprehensive Coverage: Extends Collision Coverage to pay for damages resulting from natural disasters or theft.

Bodily Injury Liability*: Covers injuries that you, the insured, cause to someone else. The minimum bodily liability insurance coverage that can be bought in Massachusetts is 20/40. If this coverage is selected, the maximum bodily injury liability the insurance company will pay for an individual injured in a motorcycle accident is $20,000.00. The maximum bodily injury liability the insurance company will pay for the injuries of all of the persons involved in the accident is $40,000.00. While at least 20/40 coverage is required by law to operate a motorcycle in Massachusetts, you may want to consider options with more coverage.

Property Damage Liability*: Covers damage caused by you, the insured, to someone else’s property. For example, this insurance would cover the damages caused by you if you ran into someone’s fence while riding your motorcycle. The minimum property damage liability coverage that can be bought in Massachusetts is $5,000.00.

Medical Payments Coverage: Medical payments coverage (Med Pay) pays for your medical and funeral expenses and the medical and funeral expenses of others that are hurt or killed in an accident while riding on or driving your motorcycle. Claims that can be brought under this coverage include all reasonable medical expenses for hospital, surgical, chiropractor, X-ray, physical therapy, dental, professional nursing or prosthetic treatment, in addition to funeral expenses. It will also cover these expenses for you or members of your family if you are hit by a car as a pedestrian or if you are riding on or driving another motorcycle. This coverage will pay for your medical and funeral expenses even if you are at fault for the accident. Coverage is restricted to a specific dollar amount and may be limited to medical care received within the first few years after the accident.

Uninsured Motorists Coverage: Covers you, the insured, for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto or motorcycle liability insurance.

Underinsured Motorists Coverage: Takes effect when the at-fault driver’s auto liability insurance is not sufficient to fully pay for your bodily injuries or damages. This insurance covers the difference between the coverage limit you choose and the other driver’s bodily injury coverage limit or damage coverage limit.

*Required under Massachusetts law to operate a motorcycle


If you have been injured in a Massachusetts motorcycle accident or a loved one has been killed, please call our expert Boston motorcycle accident lawyer specialists or Boston wrongful death lawyers today at 617-787-3700 or email us at

If it is more convenient for you, Attorney Gil Hoy will come to your home or the hospital to meet with you and discuss your motorcycle accident claim.

Call us 24 hours a day, 7 days a week. Even if you get our answering service, leave a message because our Boston biker accident injury attorneys will call you right back. You can count on it.

We charge you no attorney’s fees unless and until we successfully and fully recover just compensation for your motorcycle accident injury.

Our Boston Motorcycle Accident Lawyers Are Available 24/7 at 617-787-3700. Please Do Not Hesitate. Call Our Massachusetts Biker Crash Attorney Specialists Today. Your Needs Are Our Top Priority!

When You or a Loved One Has Been Injured or Killed in a Massachusetts Motorcycle Accident, Our Boston, MA Motorcycle Accident Lawyer Specialists Can Help You. Call Our Massachusetts Biker Accident Injury Attorney Experts 24/7 at











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