Frequently Asked Questions About Motorcycle Insurance, Answered

Whether it’s about home owners insurance, life insurance, auto insurance, or boat insurance, many Americans are in the dark as to what’s true and what isn’t. Affording to a 2015 study by Insurance Barometer, those who don’t have life insurance are said to believe that a policy is up to three times more expensive than it really is.

And because motorcyclists are in far more danger when they take to the road, it’s especially important that those who have motorcycle insurance and those who don’t have motorcycle insurance to understand just what is covered and how their coverage can protect them. The following are some of the most frequently asked questions regarding motorcycle insurance:

Is motorcycle insurance required under state law?
Having at least some type of insurance on your motorcycle is required by every state in the country. However, it’s important to note that the amount of insurance coverage you need on your motorcycle depends on the state in which you live. Therefore, be sure to consult with your state government transportation services department for more information.

Does a motorcycle’s insurance cover a passenger on the bike?
Considered the most general of insurance types, motorcycle liability insurance won’t cover the passenger on your bike should the two of you unfortunately be involved in an accident. However, depending on the insurance policy you have, you may be able to invest in collision coverage or comprehensive coverage plans in order to protect your passengers in the future.

Does a motorcycle’s insurance cover the days that are spent at the bike track?
As in the previous answer, whether or not your insurance covers an accident you’ve experienced while on the bike track depends on the insurance policy you have. In the event your policy doesn’t cover the days you’re at the track and you file a claim after an accident on said track, your insurance claim could be denied.

Understanding your insurance policy is not only important for your vehicle of choice, it’s also integral to your health and financial coverage should you be involved in an accident. Because motorcyclists are up to 27 times more likely to be the victims of an accident compared to the occupants in passenger-vehicles, it’s essential that you insure your motorcycle and that you understand your insurance before you hit the road.

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