Motorcycle ownership is often something of a family pastime. You might take your spouse, children or other family members for rides. Or, you might be the passenger yourself, while they are the rider. Will your bike’s insurance cover additional passengers or ariders on the policy?
Depending on your policy’s structure, coverage and wording, passengers or other riders may or may not have insurance protection. Therefore, before you allow anyone else to use your bike, make sure your policy addresses that scenario.
Coverage for Passengers
Passengers who accompany you on your motorcycle could get hurt if wrecks occur, even if they have on helmets or other gear. If they do, they could face significant personal losses, not least medical bills, lost income and other challenges.
Whether your motorcycle insurance extends to passenger losses will depend on if the policy offers any medical assistance. Most people get this coverage from either medical payments (medpay) coverage, personal injury protection (PIP), or sometimes a combination of the two.
· Medical payments coverage can pay riders’ and passengers’ medical costs that their health insurance won’t.
· PIP coverage will apply to losses like medical bills, but can also apply to other losses like lost income or death benefits.
Some states require drivers to carry these policies. However, they are more often optional policy elements. Therefore, you might have to ask your agent to add protection to your policy.
Coverage for Other Riders
If you decide to a spouse or family member use the bike, they may or may not have coverage on your policy. Namely, they might not have any liability insurance in case they cause wrecks that harm other parties while riding your bike.
To provide this coverage, you might need to add them as named insureds on your policy. Therefore, if you think about your family, you might want to add your spouse, children or other close relatives to your policy. Please note, all those who plan to ride the bike will likely need an endorsement on their license to say that they qualify as motorcyclists.
Keep in mind, you often can’t add just anyone as an additional insured person on your policy. For example, if you plan to let a friend ride your bike, you often cannot add them to the policy. Rather, this person might need a non-owners vehicle policy. It will provide them with liability insurance for their driving risks. However, it might not insure the bike’s value itself. That likely will remain the responsibility of your own policy.
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