Fathead, Flathead, Shovelhead, Panhead – Sticks and Stones May Break My Bones…

The first time I heard the term Shovelhead was on “American Pickers“.  I thought Mike was making fun of Frank with yet another quip on his physical appearance.  After a short bit of research though, I learned this was a nickname for the engine Harley-Davidson made from 1966 until 1985 – replacing the Panhead and preceding the Evo or Fathead (not to be confused with Flatheads from the 30s and 40s).  Or maybe he called him Knucklehead, yet another HD engine.

Fast forward to my career as an agent for Allstate – I get to insure these powerhouses in some very cool motorcycle policies.  At first I assumed because of the volume of commercials aired by Geico and Progressive that I would be behind the eight ball but in no way did that happen – I have been averaging more than 30% less premium than those two – let’s look at some savings:


Multiple Motorcycle Discount – Need a bigger garage? You can save from 10 to 35% by insuring multiple bikes.

Multiple Policy Discount – If you insure something else with us, you may be able to save up to 30%.

Good Rider Discount Going 60 months without an at-fault accident or anything more than a minor violation tells us you ride safe & smart—and helps you save up to 10%.

Transfer Discount – Save an easy up to 10% just by switching to Allstate.

Motorcycle Organization Discount – Save up to 10% if you belong to the American Motorcycle Association, BMW Motorcycle Owners of America, Gold Wing Touring or Road Riders Association, Harley Owners Group, Honda Riders Club of America, Motorcycle Safety Foundation, or Motorcycle Touring Association. Only applies to Bodily Injury Liability and Property Damage Liability coverage premiums.

Motorcycle Safety Course Discount – Save up to 5% if you’ve voluntarily passed a Motorcycle Safe Driving in the past 36 months.

So discounts and lower pricing are great but how about protection?

There’s no way around it: Anytime you’re on the road, there’s a chance you might get injured. One of the most important things you can do is make sure your motorcycle insurance coverage can help with medical bills if you should get into an accident.

Rider Protection Package – If you have a serious or fatal covered accident, this coverage can provide cash benefits to you or your family – regardless of who was at fault.

  • Medical Payments – typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.
  • Personal Injury Protection – If you’re hurt in an accident, or worse, expenses could add up faster than you imagine. That’s where this coverage can help, with reimbursements for:
    • Medical and hospital expenses
    • Lost income
    • Services you would normally do yourself
    • Funeral expenses
    • Child care expenses
  • You’re typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states.
  • Take care of your bike and it’ll take care of you, right? There are three kinds of motorcycle insurance coverage that typically help get your bike back on the road.

A collision almost always means damage to your motorcycle. And that’s just what this coverage is for.

  • It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.

It doesn’t always take two vehicles to make an accident. Comprehensive Coverage typically covers your bike if it’s damaged by:

  • Flooding
  • Wind
  • Vandalism
  • Theft
  • Some other reason that doesn’t involve a crash with another vehicle
  • You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.

Uninsured/Underinsured Motorist Bodily Injury
If an accident isn’t your fault, you don’t want to pay for the other rider’s mistake. Especially if he or she doesn’t have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.

  • If you’re in an accident, there’s a good chance someone else was involved. And if you’re at fault, you’ll want strong motorcycle liability insurance.

Go Ahead, Ask for More

motorcycle tow

Towing and Labor Costs

  • Typically reimburses you (up to the applicable limit) for getting your bike to the shop if it breaks down or is in accident. This coverage is automatically included for Harley-Davison, Touring and Touring Sport bikes.

Motorcycle and Off-Road Vehicle Transport Trailer Damage Insurance

trailer wreck

  • Typically covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.

Property Damage Liability

  • If you’re at fault in an accident and cause damage to others’ property, Property Damage Liability Coverage typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences, and storefronts and other structures.

Bodily Injury Liability*

  • If you’re at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.
  • Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering. (In most states, bodily injury to guest passengers on your motorcycle is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to guest passengers.)
  • *In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.

First-Accident Waiver

  • Accidents happen-we understand. And we’ll prove it to you by forgiving your first accident and not raising your motorcycle insurance premium just because you make a claim. To use this feature, four things need to happen:
  • It has to be the only accident in 48 months where you were at fault-on any motorcycle.
  • Your motorcycle insurance policy with Allstate needs to be at least 48 months old.
  • Both the bike and the driver have to be covered when the accident happens.
  • The covered driver can’t be charged with any major traffic violation related to the accident.

Optional or Added Equipment


  • You spend thousands getting your bike perfect—a sweet custom seat, crash bars, a windshield, whatever. What happens if it gets stolen or totaled?
  • If you have insurance through Allstate, this feature can typically help. Your motorcycle insurance policy automatically comes with $1,000 of coverage on after-market upgrades. And you can buy extra coverage that raises the limit up to $30,000.

Lease/Loan Gap Coverage

  • Having your bike get totaled or stolen is bad enough. What happens if you’re still paying for it through a lease or loan?
  • If you’ve got Lease/Loan Gap Coverage, Allstate will usually pay the difference between your motorcycle and the balance of your loan or lease. To get this coverage, you need to have Comprehensive and Collision Coverages on the same policy.
  • You can typically take advantage of this coverage only if you’ve made a claim for Collision or Comprehensive Coverage.

So this is my longest blog and it could be longer but it’s better to review with us over the phone or in person – call us to design the policy that fits you like your bike does!


Toll Free – 844-675-2111 or jeffspring@allstate.com


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