Are Motorcycles Covered By Auto Insurance?

You have a car for transportation purposes and a motorcycle as a hobby. Since you bought auto insurance, you assume your motorcycle is included. You consider asking for reimbursement after an accident but before you call your insurer, you should first see if you’re eligible to claim your insurance.

Does Auto Insurance Cover Motorcycles?
The answer is no. You need a separate policy for your motorcycle even if you have existing car insurance. If you buy motorcycle insurance, you can be covered against risks and even cover someone involved.

Types of Motorcycle Insurance You Can Purchase
According to the Driving Test in 2019, there were 33,244 police-reported fatal motor vehicle crashes. This is a great reason to secure your savings against motor-related accidents.

So, listed down the types of motorcycle insurance you can look into:

1. Liability Coverage 
   Accidents related to motorcycles usually include liability, and you will need a fund for medical and repair costs. Your insurance can cover property damage to other vehicles and pay for injuries.
   
   
2. Uninsured Motorist Coverage 
   This covers damages to someone involved in the accident who might not have insurance.
   
   
3. Motorcycle Collision Coverage 
   The repair for hitting someone’s vehicle, property, or object on the road can be covered by your insurance.
   
   
4. Comprehensive Coverage 
   This includes non-accident-related damage like fire, water damage, vandalism, or theft of your motorcycle.
   
   
5. Guest Passenger Liability 
   If someone rode as your passenger, this could cover them if an accident happens while on the road. 
   
   
6. Medical Payments Coverage 
   This can cover your medical bills for injuries if you get into an accident.

Conclusion
Assuming that insurance can cover you from any accident is not a good mindset. You should gather information and understand the inclusions and limitations. This will help you prepare and decide better to get your motorcycle insurance.

At AllRisk Auto Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (360) 693-4044. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!