At Progressive, our motorcycle insurance premiums are based upon three years of claims history. Many other companies also use a three-year period but some companies may look back further, up to five or even seven years. However, not all claims will affect insurance premium. For example, a claim which is filed due to an accident which is someone else’s fault will not result in an increase in premium at Progressive, nor will a claim filed for theft or acts of nature. Also, Progressive Motorcycle customers who file a claim with a payout of less than $500 will not be surcharged, thanks to Progressive’s Small Accident Forgiveness.
Simply put, liability coverage is for the benefit of others. No matter if you’re riding a sportbike, vintage motorcycle, constructed motorcycle (assembled by hand), dual-sport or full dresser, if you are the at-fault party, liability insurance covers everyone involved except you!