What Motorcycle Accessories Are Covered by Insurance? Custom Parts Protection Guide

The thousands of dollars riders invest in customizing their motorcycles can vanish instantly after an accident if not properly insured. As Atlanta motorcycle accident attorneys, we’ve seen riders devastated to learn their $15,000 in custom chrome and accessories had only $3,000 in coverage, leaving them with massive losses even when another driver was completely at fault.

What Standard Motorcycle Policies Cover

Basic motorcycle insurance provides limited coverage for accessories, often surprising riders who assume their customizations are fully protected.

Typical Standard Coverage Limits:

• $3,000 total accessories: Most common limit
• OEM parts only: Factory equipment covered
• Permanently attached items: Must be bolted/welded
• Safety equipment: Helmets often excluded

Common Accessories and Their Coverage Status

Getting Adequate Accessory Coverage

Critical Documentation Requirements

Proper documentation before an accident is essential for successful accessory claims.

Documentation Checklist:

• Receipts for all parts and labor
• Professional appraisal for custom work
• Detailed photos from multiple angles
• Video walkthrough of all modifications
• Installation documentation
• Maintenance records for accessories

Making Successful Accessory Claims

Accessory claims require specific strategies to ensure full compensation:

1. Report all accessories immediately after accident
2. Provide documentation package to adjuster
3. Get independent appraisal if needed
4. Challenge depreciation on newer accessories
5. Negotiate OEM vs. aftermarket replacement
6. Consider diminished value for repaired customs

Fighting Valuation Disputes

Insurance companies often undervalue custom accessories. Combat strategies include:

• Obtain multiple replacement quotes
• Use specialized motorcycle appraisers
• Document current market values
• Provide comparable sales data
• Invoke appraisal clause if available