Coverage Explorer
Your Motorcycle
Riding the Lowcountry’s back roads and coastal highways is its own kind of freedom — and its own kind of risk. Explore the bike below to see how coverage generally responds. General education, not a coverage determination — your GSP agent confirms your specific policy.
Tap a marker on the home to explore each risk and how coverage generally responds.
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01
Liability
Injuries and damage you cause to othersThe risk
Injuries and damage you cause to others. If you cause a crash, you can be responsible for others’ injuries and property. South Carolina requires liability coverage to ride legally.
The coverage
Bodily injury & property damage liability. Liability coverage generally responds to others’ injuries and property damage when you’re at fault, up to your limits — and most riders carry more than the state minimum.
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02
Collision
Laying the bike down or hitting somethingThe risk
Laying the bike down or hitting something. A motorcycle is exposed in any accident, and repairs add up quickly.
The coverage
Collision coverage (with a deductible). Collision generally pays to repair or replace your bike after a crash, minus your deductible — often required while financing.
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03
Theft & Comprehensive
Theft, weather, fire, vandalismThe risk
Theft, weather, fire, vandalism. Motorcycles are stolen at higher rates than cars, and storms, fire, or vandalism can total a bike sitting still.
The coverage
Comprehensive (“other than collision”). Comprehensive generally covers non-crash losses like theft and weather, minus a deductible — important for a bike that’s easy to move and exposed outdoors.
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04
Uninsured Motorist
A driver who can’t see you — and isn’t insuredThe risk
A driver who can’t see you — and isn’t insured. Riders are especially vulnerable to drivers who don’t look twice, and many of those drivers are uninsured or underinsured.
The coverage
Uninsured / underinsured motorist. South Carolina requires uninsured motorist coverage; it generally steps in for your injuries and damage when the at-fault driver can’t pay.
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05
Gear & Custom Parts
Helmets, riding gear, custom chrome and exhaustThe risk
Helmets, riding gear, custom chrome and exhaust. Custom parts and riding gear can be worth thousands and may exceed a standard policy’s built-in limit.
The coverage
Accessories / custom parts & equipment. Optional coverage generally protects custom equipment and safety gear above the base limit — worth scheduling if you’ve invested in the bike.
This Coverage Explorer is general education only and is illustrative. It describes common motorcycle exposures and how coverage generally responds — it is not insurance advice, a quote, or a coverage determination, and it does not amend, modify, or supplement any insurance policy. Actual coverage, exclusions, deductibles, and limits are governed solely by the terms of your issued policy and applicable law. No coverage can be bound, changed, or confirmed through this tool. For guidance on your specific situation, speak with a licensed GSP Insurance Group producer and refer to your actual policy.
Questions about your coastal coverage?
Every home is different. Talk with a licensed GSP producer and we'll review your specific policy and exposures.