What Does Motorcycle Insurance Cover?
Guest Passenger Liability Coverage
When one thinks of bodily injury and property damage liability coverage, the only real major difference between motorcycle and auto insurance is some motorcycle policies include a further coverage : guest passenger liability. Guest passenger liability provides protection for just about any passenger that is injured in your motorcycle.
Medical Payments (Optional)
Medical payments coverage takes care of medical bills for you personally (the rider ) and any passenger in case you’re injured in your motorcycle. It covers the rider, no matter that is at fault for the accident. Which means whether a rider crashes into your bush or is struck by another vehicle, their medical bills will certainly be covered as much as the limit from the policy. Medical payments coverage is optional and motorcyclists, like can choose from an array of claim limits.
Personal Injury Protection
In certain states, riders can purchase personal injury protection (PIP ). It’s essentially another version of medical payments coverage. It covers a similar things along with lost wages, funeral and child care expenses.
Uninsured/Underinsured Motorists (Optional)
Another optional coverage motorcyclists can increase their policy is uninsured / underinsured motorist coverage (sometimes shortened to UM / UIM ). It covers damages for you like a rider along with your bike caused by another driver that is inadequately insured. If the driver doesn’t have any insurance (uninsured ) or the price of your damages was beyond a limit of the policy (underinsured ), this picks up wherever their coverage leaves off.
Uninsured / underinsured motorist coverage usually pays for medical treatment, lost wages along with other damages a policyholder might incur if another party involved wasn‘t adequately insured. However, UM / UIM coverage provided by some insurance policies doesn‘t include personal property damage.
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