Does car insurance cover motorcycles?

Motorcycles are not generally covered under your car insurance or homeowners policy. Typically, motorcycles are insured with their own policy.

Why motorcycles require their own insurance

Motorcycles and automobiles, although they share the road, are very different types of vehicles with different risk profiles. Motorcycles can be seen as more vulnerable and riskier due to less physical protection for the rider whereas, auto insurance policies are structured around the risks associated with cars. Similarly, homeowner’s insurance offers coverage for property within the home.

Insurers create specialized motorcycle insurance policies that are tailored to the specific needs of riders and the distinct risks they face. Being a safe rider can help minimize those risks. Unfortunately, injuries are usually greater with a motorcycle in the event of a crash. Even with a helmet or riding gear, your body is not as protected on a motorcycle as in a car. Plus, at the speeds you are traveling, motorcycles tend to be more heavily damaged in accidents. Additionally, if you are traveling with a passenger, you both could be injured, maybe seriously.

Although car insurance does not typically cover motorcycles, there may be a few exceptions. Some insurance providers may offer an add-on or endorsement to a traditional auto policy that extends certain coverages to motorcycles. Check with your insurance provider to understand your specific coverage options.

What about the cost?

Generally, motorcycles are less expensive to purchase and repairs are not as costly as repairs for a car. However, there are still various factors with different models, purchase prices and repair expenses that will play a part in determining motorcycle insurance costs.

Due to costs associated with medical treatment and motorcycle repairs, it’s worth exploring your options for motorcycle insurance. When reviewing insurance policies, there are some important questions to consider.

 

 

What questions should I ask about a motorcycle insurance policy?

• Am I covered if I sustain injuries? Some basic insurance policies might not cover you if you are injured. When looking at costs and coverages of the policies, think about what medical expenses you’d be expected to pay out of pocket if you’re involved in a crash.
• Is collision coverage required? If you have a lienholder, they will likely require you to carry collision coverage on your motorcycle.
• Does motorcycle insurance provide coverage if my passenger is injured? Some insurance policies may not cover passengers. Since motorcycles are considered single-rider vehicles, consider asking about passenger coverage when purchasing a policy.
• Is my equipment protected? Protective equipment such as a helmet may be covered under your motorcycle insurance policy. But, if you travel with other personal articles in a saddlebag, such as a computer, you’ll want to verify if they’re covered by your motorcycle insurance policy or your homeowner’s policy. Personal items that are not considered protective equipment may be covered under your homeowner’s policy, but consider if the value exceeds your deductible.
• Is my motorcycle covered in the “off-season”? In many states, motorcycles are ridden for only part of the year. Some insurance companies may insure your bike for what they consider the riding season to get you a lower rate. However, you might need year-round coverage to help protect your bike against theft and accidents while it is being stored or to satisfy lienholder or regulatory requirements.
• Does it include coverage that’s similar to my car insurance? Review what’s included for comprehensive, collision and liability in your motorcycle insurance policy. These coverages are common with auto and motorcycle insurance. It’s worth asking your carrier what coverages may be different.
• Are there additional coverages offered? Some policies may include roadside assistance or cover custom parts and equipment.
• What discounts are available? There may be potential discounts for safety courses or bundling insurance policies.

What to consider before purchasing a motorcycle

Have you been thinking about buying a motorcycle? Before you purchase one, there are some things you might want to consider.

• Where are you going to learn to ride a motorcycle? A large, open space such as a parking lot may be an option. But before you start, consider taking a motorcycle safety and driving class.
• Do you need a permit or special license? Many states require a motorcycle learner’s permit to legally drive on the road. You will also need to pass a written test and riding test at your DMV to get a specific driver’s license to operate a motorcycle.
• What type of motorcycle do you want? There is a wide variety out there based on how you want to ride, from sports bikes to touring and cruiser bikes and motorcycles are all rated differently by insurance companies.
• Do you need a helmet? Not all states have helmet use laws, but a motorcycle helmet can help reduce the risk of injury.
• How to get motorcycle insurance? Contact your insurance provider to take the necessary steps to obtain motorcycle insurance before you hit the open road.

Companies may offer different levels of deductibles and liability coverage, and additional services like roadside assistance. It’s important to understand the factors that might determine your motorcycle premiums. It’s also just as important to talk to an insurance agent to fully understand what coverages are available.