Motorcycle Insurance

The last thing you want to worry about is insurance when you’re out for a ride on your motorcycle. So before you rev your engine, let us help you find the best coverage for you. We have excellent companies to partner with you.

Accidents Happen!

Be ready for them. We are and we are here to help you - with the best Motorcycle Insurance options available!

Get the Best Motorcycle Insurance Available!

As with Auto Insurance, Motorcycle Insurance Policies are made up of several components … some of which are legally required while others are optional – but a smart buy. Whatever type of motorcycle you own – Bray & Oakley could help you determine the coverage you want and to save you money with a new policy.

Motorcycle Insurance Coverage

Here are basic coverages found in a Motorcycle Insurance Policy. These are summary statements to help with general understanding. For more complete information or specific questions, we will be glad to help. 

The coverage includes:

Bodily Injury

This coverage is to help pay for injuries to others not on your motorcycle. It is used for motorcycle claims made against you for injuries of others which you were said to have caused.

Property Damage

This coverage is to help pay for damages to other people’s property. It is for motorcycle claims for which you were counted as at fault. It helps pay for damage to the vehicles, or buildings or other kind of property of other people. This does not pay for your own motorcycle or your own property.

Medical Payments

This is the motorcycle policy coverage which helps with the hospital bills for injuries caused by an auto accident for the people on your motorcycle. This is used in several states, including West Virginia.

Personal Injury Protection

Similar to medical payments, personal injury protection helps to cover the medical expenses of injuries for those on your motorcycle, regardless of who was at fault for an accident. Personal injury protection coverage is offered in several states, including Kentucky.

Uninsured Motorist & Underinsured Motorist Coverage

“UM and UIM” are coverages on your policy to protect you and people who are on your motorcycle who are injured by another vehicle with no insurance, or not enough insurance.

Comprehensive Coverage

This is to help pay for damages to your motorcycle caused by such things as fire, theft, flood, glass breakage, wind, hail or striking an animal. This is often called “Other than Collision.”


Collision Protection

This is to help pay for damages to your motorcycle for a collision with other things (other than animals.)

Accessories Coverage

Accessory coverage, also known as custom parts and equipment, helps to cover a loss to equipment and accessories added to a motorcycle after it has left the factory floor. These items would include, but are not limited to: sidecars, saddlebags, antennas, audio devices, and various other electronic equipment.

We design your Motorcycle Policy to protect you well – and to even have some coverages you would not expect.

Helmet Coverage

A good helmet can be expensive, and this is so important for you. Collision coverage in your motorcycle insurance policy can also cover your helmet.

Accessories Coverage

Get coverage for your accessories: Non-stock sidecar, seats and saddlebags, electronics, and more.

Emergency Roadside Service

Don’t end up stranded. Get affordable 24/7 roadside assistance. We’ll also provide rental car coverage when you need it. Let’s discuss including this in your coverages. We can offer you the protection to have assistance for a mechanical breakdown. We can also help with a replacement rental vehicle if yours is damaged due to a covered claim.

Contact Bray & Oakley Today

You need a Motorcycle Insurance Policy that you can depend upon. When you choose Bray & Oakley Insurance Agency, you are getting a helpful and knowledgeable partner dedicated to providing quality protection with competitive value pricing. We wish to establish a long-term, successful partnership with our clients, our staff members and the insurance companies.

Our Agents and our helpful Service People are available to talk with you about your Motorcycle Insurance Needs. As an Independent Insurance Agency, we represent several insurance companies. We shop around for you. We compare prices and coverages and then customize the Motorcycle Policy just for you. Give us a call today to learn about what insurance coverage options may be right for you.