Are Motorcycle Passengers Also Covered by Insurance?

There is a common misconception that motorcycle insurance only applies to the primary rider. Some assume the coverage is limited to the motorcycle itself. Here’s a quick overview from Heimgartner Insurance Inc. of what motorcycle insurance really covers.

What Motorcycle Insurance Covers

Motorcycle insurance policies can extend to passengers. Though liability coverage is typically limited to the primary motorcycle operator, riders can be covered, too.

Motorcycle rider coverage falls under the umbrella of guest passenger liability insurance. Such coverage extends to medical expenses and even damages sustained bymotorcycle passengers. Even if the motorcycle rider is at fault, there’s a good chance that guest passenger liability insurance will apply. 

Personal Injury Protection

Personal injury protection, or PIP. covers medical expenses for motorcycle operators and passengers. The coverage applies, regardless of who’s at fault in an accident. PIP can even extend to wages lost as a result of the accident and related costs.

Medical Payments Coverage

This form of coverage applies to medical expenses for motorcycle operators and passengers after an accident. Medical payments coverage applies, regardless of who is responsible for the crash. This extra protection helps offset the costs of surgery, hospital bills, and more.

What If the Other Drive Is Uninsured or Underinsured?

If both Sioux City, IA, drivers or the one at fault lacks sufficient insurance, uninsured/underinsured motorist coverage might provide financial relief. Such coverage is effective if you are injured by a rider who doesn’t have insurance or doesn’t have enough.

Be Safe Rather Than Sorry

If you own a motorcycle and have passengers, don’t assume your insurance will cover their medical bills. Double-check your policy for clarity and reassurance. 

When in doubt, ask your agent about medical payments coverage and/or guest passenger liability insurance for financial protection and peace of mind.

Contact Heimgartner Insurance Inc.

Serving Sioux City, IA, and beyond, our insurers give you the confidence you need to live life to the fullest. Contact us to learn more about your insurance options.