Guest passenger liability might be included as part of your liability coverage or it could be sold separately, so it’s a good idea to ask your insurance agent how to get it. In some states, guest passenger liability is required, while in others it’s an optional coverage. In those cases, you and/or your passengers could make a claim against the at-fault driver’s insurance for your injury bills. Generally, this coverage won’t apply if you didn’t cause the accident. If you cause an accident while on your motorcycle, this coverage pays for your passenger’s medical expenses. If you cause an accident with expensive injuries and/or property damage to others, they can still sue you if your insurance runs out. $25,000 for property damage in one accidentīuying low limits of liability insurance is a way to cut your insurance costs, but could cost you far more later.$50,000 for bodily injury to multiple people in one accident.$25,000 for bodily injury to one person in one accident.
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When you purchase motorcycle liability insurance, you might see it written as a series of numbers, such as 25/50/25. Liability insurance also pays for a legal defense if someone sues you because of an accident. It will also cover property damage, such as car dents you cause For example, if you cause an accident and someone gets hurt, liability will cover the injured person’s medical bills-up to your policy’s limits.
This core coverage type pays for injuries and damage you cause to others. Here’s a look at the most common types of motorcycle insurance. When you put together a motorcycle insurance policy, you can choose among several different insurance types to cover a wide range of problems. Helps pay for meals, lodging and transportation if you are stranded due to a mechanical or electrical breakdown Pays for certain expenses related to a mechanical or electrical breakdown, such towing or fuel delivery Helps replace your totaled motorcycle with a new or similar motorcycle Pays to repair or replace custom and aftermarket parts Pays for motorcycle theft and damage from fire, floods, vandalism and moreĮnsures original equipment manufacturer parts are used to repair your motorcycle Pays for repairs to your motorcycle for collision into objects such as fences and guardrails Like MedPay, covers you and your passenger’s injuries no matter who caused the accident, and also covers lost wages and replacement services for tasks you can’t do Pays for you and your passenger’s medical expenses, no matter who caused the accident Pays for medical expenses if you’re hit by someone who doesn’t carry any liability insurance or not enough to cover your medical bills Pays for your passenger’s medical expenses if you cause an accident Pays for injuries and damages you cause to others
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