Skip to Content

Cruising to better coverage.

Even the most seasoned and skilled drivers riding in the best weather conditions are subject to accidents. That’s why our team partners with over 30 insurance companies to find the perfect coverage for you.

motorcycle insurance, virginia beach, va

You can feel confident knowing you’re covered when it comes to damages to your bike, the contents you carry, any aftermarket parts and accessories, and even possible injury to yourself or others.

Your motorcycle is more than just a method of transportation. It’s your pride and joy. With so many different options out there, our Prosper team guides you through your decision process so you can ride off into the sunset feeling confident you have the best policy for you and your motorcycle. 

What to Cover

Motorcycle liability insurance is required by state law and protects your pockets when you’re responsible for someone else’s injuries and damages to his/her vehicle. This responsibility means that your insurance will pay for another driver’s damaged vehicle and any medical bills, if applicable.

Comprehensive coverage This means any event that is beyond your control such as vehicle fire, theft, glass breakage, etc., is covered after a deductible is applied.

What is a deductible? We’re glad you asked! This is the amount of money you agree to pay out of pocket before your insurer pays the rest.

Collision coverage This pays to repair or replace your damaged vehicle, regardless of fault. There’s also a deductible with this one- FYI. If you need a rental car while yours is in the shop, this will also pay for that.

Uninsured/underinsured bodily injury This pays for injuries sustained by you and your passengers (depending on your policy limits) if you are injured in an accident and that driver has little to no insurance.

Uninsured/underinsured motorist This pays to repair or replace your vehicle (up to your policy limits) if you’re hit by another driver with not enough insurance or none at all.

Medical payments This pays for medical and funeral expenses (up to your limits) if you’re involved in an accident. Medical payments can also cover your family members or other passengers, regardless of fault.

Additional Coverage

Carried contents – This covers your personal belongings that are carried on your bike if they’re damaged, stolen, or lost. This can include phones, camping equipment, and hunting gear.

Custom parts – We understand that no two bikes are the same. Accessories and custom parts/equipment can make your bike one-of-a-kind, which is why we automatically include $3,000 in accessory coverage if you have comprehensive and collision insurance on your policy. No worries if $3,000 isn’t enough – you can purchase up to $30,000 in coverage.

Explore Articles & Resources

Motorcycle Insurance- Do I Need It?

Before hitting the open road on a new motorcycle, remember to get yourself covered. And don’t forget your helmet. Motorcycle Insurance Do you need it? Of course&nbs…

Read More
What to Do After a Car Accident: A Guide by Prosper

An accident can be a stressful and frightening event. Being prepared and knowing what to do can save lives, reduce injuries and make the claims process simple and pain-free. First, move to a safe area, if you can.  Make certain everyone involved is okay. If someone is injured, call 911 immediately.  Contact the police and make a report.  Take […]…

Read More
Cracked Windshield- Am I Covered?

Hazards like rocks or hail may seem small but, they can actually cause a lot of …

Read More
Totaled Vehicle? Here’s What to Do.

If you’re involved in an auto accident, regardless of fault, and your car is d…

Read More
Liability vs. Full Coverage: What’s the Difference?

Having options is always great. When it comes to car insurance coverage, there a…

Read More

Happy Drivers

Just to name a few.

female-icon-avator

“My husband and I highly recommend the Prosper Insurance! Our agent was amazing!”

Amy P. Virginia Beach, VA
male-icon-avatar-business

“Not only did my agent find the most amazing rates ever for us, she did so with class and amazing customer service.”

Brett S. Chesapeake, VA
female-icon-avator

“My agent helped me find lower rates than I was previously paying.”

Elizabeth B. Chesapeake, VA
Let’s work together
prosper-insurance-purple-samaritan
prosper-insurance-office
prosper-insurance-foodbank-volunteers
Back to top