Does my car insurance cover me on a motorcycle? (2024 Coverage Explained)

You may have wondered, “Does my car insurance cover me on a motorcycle?” Typically, it does not, and you’ll need a separate motorcycle policy, with rates starting at around $60 per month.

If you need better coverage for your motorcycle, compare at least three to four policies today! Enter your ZIP code above to begin!

Why You Need Insurance on Motorcycles

While you may only need basic liability coverage to drive legally in most states, it’s recommended that you add additional types of insurance to your policy, such as collision insurance, uninsured/underinsured motorist coverage, personal injury protection, and comprehensive coverage.

State Requirements for Motorcycle Insurance

There is a wide range of additional coverage options available, though the cost of motorcycle insurance will increase with each coverage added. Talk to an insurance agent about the best options for your motorcycle policy. Whether it’s mandatory or optional, you need to buy motorcycle insurance on any bike that you own.

Motorcycles might be small vessels, but they travel at high speeds and can suffer significant damage or even a minor loss. In a worst-case scenario, someone would suffer serious injury in a bike vs. auto accident. You need liability insurance to protect you from lawsuits.

In addition to third-party liability insurance, which covers medical bills accrued by others and their property repairs, you need to consider adding first-party coverage.

It’s a good idea to consider buying medical payment coverage for yourself and physical damage coverage for your bike. This is especially important when asking if car insurance covers a bike accident because understanding your coverage can protect you in the event of an incident

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Auto Insurance Covers You When Driving Non-Owned Cars

If you only have a motorcycle and find yourself renting or borrowing a car from a friend, it’s important to understand that your current auto insurance typically extends to cover you while driving that non-owned vehicle. This raises the question of whether my car insurance covers me in other cars. Understanding this can help you ensure you’re protected in various driving situations.

When you’re renting or borrowing a vehicle, the coverage is afforded under the temporary substitute vehicle provision of your contract.

Under the temporary substitute provision, you’ll have third-party liability insurance in place as you’re driving the non-owned vehicle and physical damage coverage if you’re carrying full coverage.

This third-party coverage is the prime reason that you don’t need supplemental coverage when you’re renting a car.

If you’re borrowing a car owned by a friend, the vehicle owner’s insurance is primary, but your insurance will be secondary if a claim is denied or there isn’t enough coverage.

Auto Insurance Also Covers You When You Buy a New Car

If you’re shopping for a car, you can expect a dealer to ask you for proof of insurance before you’re allowed to leave the lot.

It doesn’t matter if you’ve signed a bill of sale and other finance agreements. It’s the dealer’s duty to verify you’re covered before you drive off and put others at risk.

If you don’t own a car or have insurance under your name, it’s essential to get coverage for the new car immediately, especially if you want to benefit from new car replacement coverage. Reading up on this is crucial because it ensures you understand how to protect your investment effectively.

If, however, you own a car in your name or you’re trading one in, you will have whatever coverage you’re carrying under your insurance. If you have multiple cars, the broadest limits on your policy will extend.

Like the temporary substitute provision, there are restrictions as to what type of vehicles are covered under the newly acquired vehicle provision.

Restrictions for Coverage Extensions

You can’t just borrow any car and lean on your insurance. If you’re borrowing a standard car, a compact car, or even a convertible, your insurance will still cover you.

When it comes to renting an exotic car or a commercial vehicle, you won’t find coverage in those scenarios. It’s also important to note that motorcycles are considered restricted vehicles. This is why it’s essential to read up on explaining commercial rental car insurance policies, as understanding these details can help you avoid unexpected liabilities

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Where to Buy Motorcycle Insurance

It’s best for you to buy a standalone motorcycle policy if you own a bike and drive it even on just weekends. Some insurance companies do sell coverage under an endorsement through your existing policy, but these endorsements have a lot of limitations.

To find specialty motorcycle policies, contact an insurance company, as not all that sell car insurance offer standalone bike plans. You can also consult a broker for guidance. Knowing the types of car insurance coverage is important because it helps you make informed decisions tailored to your needs.

You Are Required to Buy Insurance on a Motorcycle

In most states, motorcycle owners are held to the same standard as vehicle owners when it comes to buying insurance. You have to comply with the mandatory insurance laws to register your motorcycle in your name.

These laws aren’t in place everywhere, but if they are, you’ll be considered an uninsured motorist if you drive without coverage.

Believe it or not, in some states with mandatory insurance laws, there’s no law that says insurance is compulsory for motorcycle drivers.

Motorcycles might only have two wheels, but they can still inflict significant damage and injuries to other drivers and property. Therefore, you need to think about mandatory coverage. To understand your options better, it’s essential to ask what is typical car insurance coverage as it helps you grasp the protection you should have in place.

Types of Coverage You Can Buy on a Motorcycle Insurance Policy

As you’re shopping around for motorcycle insurance, looking for a good policy is key. You have to be insured through a carrier that offers you useful features when you file a claim for an accident.

Here are some coverage options you can add to your policy:

• Liability – Pays for third-party property damage and bodily injury expenses
• Medical Payments – Pays for you and your passenger’s injuries after any auto-related accident
• Uninsured Motorist – Pays for your injuries after an accident with a hit-and-run driver or with someone who doesn’t have liability coverage
• Comprehensive – Pays for damage to your vehicle while it’s parked
• Collision – Pays for damage to your vehicle after a collision

If you’re not sure where to find affordable motorcycle insurance, it’s time to compare rates.

Everyone pays a unique rate that’s dependent on several rating factors. Get your quotes for affordable car insurance in minutes by using an online price comparison tool, and then start budgeting.

Try our FREE online quote tool and start comparison shopping today for auto insurance! Enter your ZIP code below and find the best deal!

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