Motorcycle Insurance

At Thomas L. May Insurance Services, we understand that motorcycles aren't just a means of transportation—they're a lifestyle. Whether you're riding for daily commutes or weekend adventures, we help ensure you're properly covered with policies tailored to your bike, your habits, and your budget. Our local team works with top carriers to make protecting your ride as smooth as the open road.

Do I Need Motorcycle Insurance?

Motorcycle insurance isn’t just a legal requirement—it’s an essential layer of protection for your bike, your finances, and your peace of mind.

Protects Against the Unexpected

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Accidents, theft, and weather damage can result in costly repairs or total loss. Motorcycle coverage helps get you back on the road quickly.

  • Helps cover towing and roadside assistance if you're stranded.
  • Supports replacement of custom parts and accessories after a covered loss.

Satisfies State Requirements

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Kansas law requires liability coverage for all registered motorcycles. We'll help you stay compliant without overpaying.

  • Helps avoid penalties, fines, or suspended registration.
  • Meets DMV and lender requirements for licensed operation.

Covers Medical and Legal Costs

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Motorcycle accidents can lead to significant injuries or liability claims. Proper coverage helps manage those costs when it matters most.

  • Pays for ambulance, hospital, or rehabilitation expenses.
  • Helps cover legal defense if you’re sued after an accident.

Offers Specialized Protection

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From custom parts to seasonal storage and roadside assistance, motorcycle insurance can be adapted to the way you ride.

  • Covers aftermarket parts, chrome kits, and custom paint.
  • Storage options available for off-season protection.

Depending on your needs, coverage options may include:

What Does Motorcycle Insurance Cover?

Liability Coverage

Helps pay for injury or property damage you cause to others.

Collision Coverage

Covers repair or replacement costs if your bike is damaged in an accident.

Comprehensive Coverage

Protects against theft, fire, weather events, and vandalism.

Uninsured/Underinsured Motorist Coverage

Protects you if you're hit by a driver without adequate insurance.

Medical Payments/Personal Injury Protection

Helps pay for medical expenses related to an accident.

Understanding Motorcycle Insurance Policies

We’ll help you choose the right policy based on your riding style, bike value, and budget. Common options include:

  • Standard Motorcycle Insurance – Covers street-legal motorcycles under normal use.
  • Cruiser/Touring Bike Insurance – Designed for larger bikes used for travel and long-distance rides.
  • Custom and Vintage Bike Coverage – Covers modified or collectible motorcycles with agreed-value options.
  • Seasonal Use Policies – Ideal for riders who store their bikes during colder months.
  • Add-On Options – Coverage for accessories, custom parts, towing, and more.