6 Motorcycle Insurance Issues You MUST FIX ASAP for Dual Sport, ADV, & Plated Dirt Bikes!

What will your motorcycle insurance cover if your bike gets totaled in a wreck? The information in this video could LITERALLY mean the difference between getting $100 after your deductible and losing your motorcycle, to getting thousands of dollars toward a new bike, covering your motorcycle, your mods, AND all your accessories, and even keeping your motorcycle and all the parts on it after the claim is settled. Motorcycle insurance isn't a fun topic, but man it is IMPORTANT!
My beloved dual sport motorcycle was recently totaled in a side by side crash, and I have learned a TON about motorcycle insurance through my claim. I did some things right, but some things wrong. Learn from my mistakes and successes so if you ever have to make a motorcycle insurance claim, you'll be covered. Insurance... we have to pay it to be legal, so we might as well make it do something if we need it!
I'm lucky to ride dual sport motorcycles and host rallies FULL TIME! Want to know what budget-friendly parts, riding gear, and camera gear has proven reliability and worked well for me? Check out my list of recommended dual sport and ADV gear, from tires to t-shirts: amazon.com/shop/everide Using this link to buy gear supports this channel with a small commission that doesn't cost you a dime.
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#motorcycle #insurance

[@brianfrancis6458]

Excellent points on the property side of claims. As an insurance adjuster, and a 2 time near fatal motorcycle accident survivor, I could honestly teach a semester long course on this stuff. This biggest coverage I would recommend everyone’s attention on, is Uninsured/ underinsured motorist coverage. After reading this, call your insurance and raise this coverage to maximum, usually around $250k, or more. It doesn’t cost that much more than what you already pay. If you spend any time in a hospital, the bills add up real quick, like bankruptcy quick. Most car drivers only carry state minimum coverage. Depending on what state that is, it could be as little as $25K. It costs $25K just to check into the hospital! Your health insurance will initially pick up the bill. Then they’re going to subrogate against you for the bills, or at least a percentage that your responsible for. Everyone thinks the other driver’s insurance is gonna pay all their bills, that’s unfortunately not how it works. It’s you that’s responsible for your bills. Their liability ends with their amount of coverage. If you have a family and ride, you already should have life insurance as well, in case your disabled or worse.

[@grendelprime166]

Gold Advice here. Thanks Brain.

[@TheChancho21]

Great video. I had my insurance agent watch this video. She said your information was spot on and she assured me that I have all the correct coverage plus some extra. Being that she is my wife, I believe her. 😄

[@Michael-yq1em]

I totaled my car hitting a deer, I had a pretty smooth dealing with progressive. I also have progressive for my motorcycle insurance and they're coverages are pretty legit.

[@jonahandrus2768]

Just about to insure my drz and didn’t even think about half the stuff you mentioned, this was a super helpful video to watch. Thanks!

[@drmechristopher]

Great video as usual. You are a one-stop shop for information on the kind of riding I like.

[@ROCKINRODNEY]

This is good info Tyler. This was something I was thinking of putting together also. Back when I was ordering the timbersled snowbike kit, I talked with State Farm for quite some time to go over whether it would be covered if something should happen. They told me that if it's attached to the bike, it is covered under my policy. I might do a video on how I keep track of my receipts and other info when it comes to mods. It is a good habit when the unexpected happens. And finally, always video everything that is on your bike. Makes it hard for them to argue.

[@fredsmith9945]

After watching your videos on and off for years I finally took it upon myself to try renting a KLR650 and checking out this dual sport thing. It was a ton of fun! I found all kinds of cool stuff right near home. Thank you for doing what you do!

[@NB-op8or]

I have AAA premium with RV insurance added onto the policy. They will tow my motorcycle up to 400 miles. Also pretty sure they have good discounts and benefits when it comes to hotels and dining etc. Great video really glad you touched on this subject! KLX400SR LIFE!!!

[@KestrelYI]

Excellent video! Appreciate the information and was glad to hear that you were generally taken care of.

[@eddie8279]

Wow! Great info! You covered some things that alot of would not think of. Thanks for another great video!

[@chargerguy1973]

Thanks for the advice, man. I'm going to have to sit down and take a good, hard look at my coverages now. Also, the loop you used was a fantastic chill tune to have going tonight. Cheers!

[@orangelion03]

Great information and fantastic images! Sharing this with friends.

[@comfortablyunknown700]

Great info, dude. Thank you🤙

[@greenmango7882]

lots of good info on this video. Thanks for posting.

[@RAFAZLIAISON]

Thanks a bunch bro! Looking forward to getting up to Utah from SE AZ here and ride with you.

[@jonr3891]

Thanks for the info - always best to be proactive about this stuff. Nice drone footage too... 🤙

[@DaveParks23]

Thanks for taking the time to create this video!

[@JeffKendallWeed]

Great video man, thanks! I bought a DRZ400 over the weekend and literally Have been chatting with my insurance agent (Allstate) today about adding it. About to check progressive as well. Man, I’ve never Moto’d in St George but a buncha those spots look familiar from MTB trips! I’ll probably drive through st George in a couple weeks and will definitely bust out the DRZ! Great vid (and channel!).

[@firesail6707]

Wow, super helpful episode along with the great riding footage. Well done!

[@eljuano28]

The side by side owner, (the rental company,) has to have an insurance policy. Your insurance company made a profit no matter what they paid for your loss. That's not a bad thing. It keeps your premiums lower. You were absolutely right to ask for a recalculation. Any reputable insurance company will have no problem with that. I carry a $50 deductible and half million dollar medical and bodily injury coverage; a lesson I learned the hard way when I ended up spending a year learning how to walk again. My premium is a little bit higher, but not excessively so. This is a good video and well needed info for your viewers.

[@gncc1race]

Another great vid Tyler, informative and entertaining.

[@jeffjdaniels]

Great video. Thanks for putting this together.

[@losing_myself]

Good info to know. Never really thought about the insurance now time to go have a look over my policy

[@emfl4437]

This is great info! Thanks for sharing, I will be checking my insurance tomorrow 🏍️👌

[@ericweber1969]

Excellent video, great information here!

[@exrhodie1234]

Greetings from Boise! Really good info in this vid, thanks Tyler. Stay safe, Happy Holidays

[@notmetagaming]

I was on a cross country trip and highsided my bike in the middle of a mountain pass. Long story short progressive payed me $3600 and I had only payed 2k for the bike and my gear. They payed top dollar for my gear also which was amazing.

[@colinkutz5930]

Crashed mine and they encouraged me to provide costs of all the gear that was damaged. Really impressed me!

[@JPspinFPV]

Great video. I was just shopping Progressive and their coverage seemed very reasonable.

[@ZSharkPH]

Good looking out Tyler...Guess its time to start looking my policy over.

[@algee8228]

Thanks for the great info!! SO glad it worked out for you!

[@aaronsmall1757]

So glad you’re back at it!

[@derekseed]

What bad news! Your series on the Black Widdow was a major reason why I bought my DRZ 400. Excellent insurance info. Thanks.

[@KillerSpud]

This is great info. I'm literally going to be putting lights on my DR-Z kick start today and insurance is going to be a pretty significant question.

[@fritopg285]

Super helpful, thanks for making this.

[@michaelanderson9914]

I've had progressive for my insurance for all my bikes. Good to know they are willing to work with owners on aftermarket mods value.

[@colinkutz5930]

Great info! Worth mentioning buy it back usually means an R or Salvage title and can't be insured the same again (unless restored to a rebuilt title I think but that involves inspections, depends on the state maybe). I was also impressed with progressive.

[@kurthedgecock6313]

Great info! I am a claims adjuster. I can say Progressive handled your claim well. I have Progressive on my drz as well

[@RickWaterman2112]

Really great information to know. Thanks for doing some of the footwork for us, Tyler. Sorry bout the Black Widow 😥

[@Joe-fi4hv]

Smooth Flight of the Conchords reference

[@allenhuling598]

Great info, Tyler...thank you!

[@davegillette953]

Thank you, nice job and very worthwhile video I appreciate it!

[@Matt43]

I had a bike stolen and Progressive treated me the same, good value on the bike and all aftermarket stuff was covered... pictures of the bike were very important. They even covered some $15 decorative valve caps!

[@turttlemugger]

Great information. Thanks for this.

[@abhisheknegi2030]

I have watched each and every blog of yours, thanks for sharing your experience and knowledge. Cloud you make a video on Old 1995 KLX650 C3 (not R) and compare it with your KLR 650

[@NewBelgiumCO]

Nice Flight of the Concords reference!!! 👍🏻

[@Adriftimages]

Thanks! That video was surprisingly good! 💪💪

[@dualsportdiary1150]

This is perfect timing. My insurance is due for renewal in a few weeks!

[@bobkelly2447]

thank you for sharing your insurance experience ! Sounds like I should look at Progressive ! you came out on top of that deal no doubt ... you still got a screwed up bike for your troubles but at least you were not in the hospital for 3 weeks !

[@jethrob258]

Thank you. I was wondering what happened with your insurance. Planning on new bike this summer. Glad it worked out for you. Sorry about camera gear tho.

[@sumporfuk]

Totally good info that I never ever thought about.

[@ColoradoDualSport]

Only Tyler would show up with a sun burn when it's been 30° out for a month in the rest of the country Haha! Great info dude.

[@davidc1961utube]

It is 30 in the desert. 30C...

[@ColoradoDualSport]

@@davidc1961utube I was speaking F.

[@andrewstambaugh240]

We got sunburned faces all the time in winter growing up. We were skiing when we got em!

[@bvan1970]

Thanks for this video. It’s perfect timing as I was just looking for quotes the other day. Certainly lots to consider before making the choice. Secondly, being from MN, I’m so damn envious of the riding where you live. It looks like you could ride for days and not ride the same trail twice. I need a road trip and a smaller dual sport moto.

[@No_one1776]

That's awesome info. Thanks!

[@wfodavid]

This WAS different but Amazing as always. I'm going to re-evaluate my insurance on the 790 and 500. Might leave off the 300 and trials bikes. Thanks again. Extremely informative.

[@bradstoybox8811]

It's a totally different situation up here in Canada. If you declare that you have mods on the bike, they jack up the rate to the moon and beyond which is crazy when the base coverage is already in outer space. I just got a quote for 2021 at $2300 a year.......Other than that this is a great video Tyler and some great advice!

[@TheAllytrash]

Good advice, thanks!

[@carls.2071]

I'll have to confirm Drive has the same benefits as Progressive. I'll also be saving my bike build list along with photos . Great information.

[@matthewoates53]

That beard is the beard of truth. Really good information thankyou.

[@mwajszczyk]

Watched for info. Liked for the Flight of the Conchords reference.

[@lovelessissimo]

A lot of companies offer coverage for damaged gear (helmets, comms, jacket, etc), and it's worth looking into.

[@kingofallworlds]

My company only paid for motorcycle specific protective gear. All other clothing is not counted

[@lovelessissimo]

@@kingofallworlds Did you destroy all of your clothes in the collision?

[@iallso1]

Different country, different strokes, but I have my adventure bike covered with a motorcycle specific insurance provider. But last year when buying my new bike I asked my general insurance company for a quote. It was considerably more expensive than the bike specific cover. However the general insurer commented on my motorcycle gear and specifically the Techair jacket. They informed me that my gear was covered on my contents policy and that would include having the gas cylinders replaced after airbag deployment. Therefore I didn't need to add the cost of gear to my bike insurance. It is worth asking the question of your insurer or agent the specifics of what is covered.

[@jonathanleonard9003]

Great video! I've had progressive for a long time and they've impressed me with other claims. I'll still call and check on some of the other things though. Thanks! Also, nice schrute farms shirt 👍

[@dennislarsen2530]

thanks for the info

[@justintynan2435]

Thanks for the info, I will have to find out how geico is for this kind of stuff.

[@colbyadams9310]

I love Progressive for Motorcycle insurance I really researched a TON of different places.

[@Liberty4Ever]

Maybe Progressive has good insurance, but I hate their politics and I cannot in good conscience give them money knowing what they'll do with their profits.

[@colbyadams9310]

@@Liberty4Ever Honestly if #everide does it then you should do it. Anyone and everyone is going to make money off you whether its this insurance company or the next. #progressiveinsurance is the BEST bike insurance EVER !!!! I have my bike FULLY Insured for $120/ year.

[@Liberty4Ever]

@@colbyadams9310 - It's enlightened self interest. I'd rather pay twice as much to avoid supporting a company that's funding organizations that undermine my liberty. Oh yeah, I also hate their stupid commercials.

[@HardBoiledGregADV]

Great topic to cover. I need to go check my Geico motorcycle coverage and see how it stacks up.

[@rscale1]

Just expect your rates to go up about 20% every year with progressive no matter what...

[@soilsmanadv6673]

Lifeflight is the cheapest insurance you can buy if out riding

[@rodneyaiken1742]

Some GREAT info. Going online with Progressive right now

[@LCARSADV]

Wow! That is really useful info!

[@buckettheadjones2935]

Great information

[@frankburdodrums8984]

Been riding dirt bikes all my life. Never had insurance. Never will. I was out rippin' it today.

[@thegaskicker236]

Dude, that beard is FULL.....looking like santa; looking good my friend.

[@doctorcereza]

Great video, great comments. I went with Progressive and found I can insure two bikes and my bike trailer with max liability comp & collision 3k add on accessories 100$ deductible roadside service etc. for slightly more than insuring only 1 bike with just comprehensive through Geico--Progressive wins it hands down.

[@wolfdue2236]

Beautiful video! If you don't mind may I ask what camera did you use for those drone footage? Thank for sharing.

[@southerndeth]

Great info! Also, I found out the hard way that AAA will not tow you bike unless you are a Premium member.

[@billcotton1551]

I am a dual sporter who works for an insurance company. I checked on this ,and the off road part didn't seem to be any issue. Though .luckily ,I haven't had to test it yet.

[@MrBeefsnorkel]

really appreciate this upload. i had a wr250r for a while and switched to a tenere 700 just last week - been wondering what exactly all would be covered. time to make the call!!

[@dank9288639]

how's that T7?

[@bjstuhl]

Yeah, man! Great topic. My Ins. company is "kinda shysty" about some things, but it's a trade off for others benefits. Nonetheless, I'm totally gonna call and ask about accessory coverage.

[@socaloutdoors7355]

Great vid

[@dustinsiemers4766]

Here is what you want to do. The day you start your season or trip do the following. You should increase the accessory coverage to the full value of ALL your accessories, not leave it at the 3000 minimum. Also add CARRIED CONTENTS to cover other stuff. The medical coverage is really expensive and has a low limit so I would instead look at a temporary travel medical insurance. This will also cover more than just injuries on the bike. Also have collision and make sure it covers collision with a tree, "the roadway" etc. Then at the end of your season or trip drop the coverage down to comprehensive only to cover theft, etc.

[@elgringoec]

Beautiful footage, man. And good info. So, they shelled out 3.3k... how much total did you pay in for this coverage since policy inception?

[@teamground0229]

Leave it to Tyler to make a topic like insurance and make it an amazing scenery video. I bought Progressive because it was inexpensive. I feared it would be awful if I needed to claim. Thanks for sharing your experience for our learning.

[@johngill5175]

Pre Covid KLR650 wreck with progressive, it was on road, but I had the exact, EXACT, same experience. Just made a list on some online retailer, sent it in, they covered up to 3000 no questions asked. It was sooo insanely easy. I love my progressive coverage, I have it on all 6 of my bikes, some street, some duel.

[@johngill5175]

Oh meant to add, check with your insurance. you might be able to take of detachable parts. As in bags that you easily remove, and are only held on with a buckle or something. My guy was chill with that, but I couldn't take anything that was "bolted" on. Not sure if that's the legal way or not though.

[@joethetoe35]

I have had progressive insurance on my motorcycles since day one riding on the street. So good I got it on our cars and they are great to deal with.

[@mikeschlup5279]

That was a hellfire missile on that land cruiser...on the backside of Baghdad airport...60 lbs of high explosive at mach 6.

[@MiloPerrotti]

not exciting sure, but very important and valuable info thanks.

[@joeshmoe7967]

Rule #1 on a claim: NEVER EVER, consider the insurance company 1st offer!!. It is ALWAYS low ball 100% of the time. I hit a deer, totalled the bike, they offered $8850. I refused and we eventually settled at $10,700 - my original counter. I found an identical low mileage replacement for $9650.

[@BackcountryLife]

Killer beard dude!! Lets ride soon.

[@billcotton1551]

Wait is that a Shrute Farms T Shirt? You can't beet that.

[@k3ep3r]

Your camera equipment is covered under your home/ rental insurance under personal property section. Its covered anywhere you are in the world [ unless defined in the territory clause]. Look for coverage there

[@derweibhai]

My plated XR650r is irreplaceable. Unfortunately. Hope I never have to find out. I have thrashed it in Moab for years, and been careful not to destroy it. I use my Rokon for the crazy trails.

[@seancooper7256]

Sounds like I can be happy that I’m with progressive! Seems they were great to work with 🤙🏼

[@kleinbiker1]

In this day and age unless you walked into Rocky Mountain and paid cash for your parts, not having a receipt is a bogus excuse. Just go online to your account and print out the receipt from them.

[@Loiczzr]

Some company are "better" than others BUT it all come down to where you live. I lived in tx, la,ga,fl and nv. Had same insurance from TX to LA then had to switch when I moved to GA then switched again when moved to FL and again switched (actually twice ) in NV. (Btw, back in 2003 progressive quote me $1200 per month for my zzr 1200...I laughed at them and cancelled my car insurance with them too) Again you must shop around vs where you live.

[@RatsnRods]

THANK YOU

[@walterconn5637]

Lol, I don't know why but I'm motivated to go ride after watching.

[@jimperry4420]

Merry Christmas

[@RatsnRods]

God I hate side by sides, sorry to hear that man

[@zachmateer6531]

Could you get the insurance provider of side by side to cover the camera equipment?

[@rimshot223]

Beard game on point! 😂

[@cadeleavitt1126]

A renters or homeowners policy would be your best way to have coverage on the camera gear. Make sure to schedule it on the policy.

[@jasonbergquist2721]

Spot on