How Motorcycle Insurance Differs From Car Insurance

​Just because a motorcycle is a vehicle does not mean that it has the same insurance policies with a car. Although both coverages work on the same purpose and the claim processes are almost identical, there are still significant differences between these two. Here are four ways the motorcycle insurance differs from car insurance.

1. Expensiveness
Although motorcycle costs are lesser than a car, insuring motorcycles is usually more expensive than car insurance. The reason behind this factor is the higher risk of an accident that can occur more on motorcyclists, thus more chances of making a claim. A person riding a motorcycle is five times riskier and 29 times more likely to die in a traffic accident than someone who drives a car.

However, if you have an inexpensive motorcycle and a good riding record, the cost coverage goes down. This perk also applies when you are not insuring a sports bike either.

2. Personal Injury Protection
Why are motorcyclists prone to accidents? Motorcycles provide minimal physical protection, where the riders get thrown away from the vehicle during the accident that causes more grave injuries. In this case, you must get the personal injury protection (PIP), whether you are a motorist or a motorcyclist. As the driver, you are more likely to get injured than the other occupants of other vehicles, like a car.

3. Passenger Coverage
Auto insurance automatically covers passengers involved in the same accident as long as you purchase more than the basic liability coverage. However, this perk does not apply to motorcycle coverage as insurers usually assumed that bikes are transportation means for one person. Your guest passenger liability insurance is only an option to cover injuries and usually applies if you are not liable. Thus, medical payments coverage for the other passenger does not automatically get covered regardless of fault.
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4. Laid Up Insurance
Insurers know that there is no risk of a motorcycle accident during the winter if you store your vehicle. Thus, many insurance companies offer laid up insurance that covers you from theft, fire, and other threats that can occur while storing the motorcycle. Although this coverage reduces your annual coverage costs, you will not get covered if you rode the bike in winter and got into an accident.

Upon seeing the four factors, you can conclude that not all types of vehicles have the same insurance. You must not assume that motorcycle coverages are the same with car insurance as you may not get the coverage you need upon buying a policy.

At AllRisk Auto Insurance, LLC, 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.