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Where does Foremost do business?

Foremost is an insurance carrier based in Caledonia, MI. The company was founded in 1952 and offers motorcycle and ATV insurance in 48 states (and Washington, DC).

What types of motorcycle and ATV insurance coverage does Foremost offer?

Although we often talk about motorcycle insurance in the singular, it really includes several types of coverage. Foremost offers the following types of motorcycle and ATV insurance coverage:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 

  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.

  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.

  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.

  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have a lease, the lender may require you buy collision insurance.

  •  Comprehensive Coverage: If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.

  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.

  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Foremost customers can also add the following riders or endorsements to their policies:

  • Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most motorcycle and ATV insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.

  • Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.

  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your motorcycle or ATV and its current cash value in the event of a total loss.

  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

  • Transport Trailer Coverage: This covers non-motorized trailers towed by a vehicle. If they are damaged or cause damages in an accident this policy will cover the costs.

What benefits does Foremost offer?

Foremost offers the following benefits to its customers:

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

  • Digital Claims Reporting: Never fax or mail a document again.

What discounts can you ask for when applying for a policy with Foremost?

When you ask for a quote with Foremost, make sure you ask for all the discounts you qualify for. These are the discounts currently available.

  • Vehicle Policy Endorsements
    • Emergency Roadside Service
    • Loan / Lease / GAP Coverage
    • Modified Vehicle Insurance / Customized Parts and Equipment
    • Transport Trailer Coverage
    • Travel Expenses / Trip Interruption Coverage
  • Liability Vehicle Insurance
    • Bodily Injury Coverage
    • Property Damage Coverage
    • Uninsured Motorist
    • Underinsured Motorist
  • Medical Vehicle Insurance
    • Medical Payments Coverage
    • Personal Injury Protection
  • Vehicle Coverages
    • Comprehensive
    • Collision
  • Policy Discounts
    • Affinity Relationship
    • Defensive Driver / Safety Course
    • Loyalty / Long-Term Customer
    • Mature / Experienced Operator
    • Multiple Policy
  • Vehicle and Equipment Discounts
    • Anti-Theft Devices
    • Internal Safety Features (Air Bags / Seat Belts)
  • AM Best Financial Strength Rating
    A
  • Carrier Features
    • Locally Available Agents
    • Digital Claims Reporting
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