Having motorcycle insurance is important when operating your bike. Although it’s required by law, you may want to opt for getting more than the basic minimum coverage. One of the things you must consider when establishing the coverage for your policy is whether or not you will have additional riders or drivers on your motorcycle, and whether or not your motorcycle insurance policy covers them.
What types of coverage are available that can help protect passengers and additional riders on my motorcycle?
- Bodily Injury Liability: This is a very important coverage option to have because it covers the medical expenses or injuries of the other driver involved in any accident that may occur, but can also be extended to provide coverage to your riders as well. This coverage is one that is usually mandatory in most states and does not cover any personal injuries; it is purely for the protection of other people, along with saving your bank account. This policy can cover a broad range of expenses that may occur as a result of an accident, including wages lost from work, funeral costs, physical therapy, visits to the physician, hospital stays, prescription medicines and any home healthcare affected parties may need.
- Guest Passenger Liability Protection: This policy specifically protects your passengers if you are involved in an accident. It may be required in certain states, and operates strictly to cover any bodily injuries suffered by passengers on your motorcycle. It can cover any required care, loss or death resulting from any bodily harm, sickness or disease from being a passenger on your motorcycle.
These are just a few coverage options available, but there are a number of other protections that can be obtained. A standard motorcycle insurance policy may not cover your additional passengers, but your independent insurance agent will be able to help you get the appropriate coverage options that help ensure protection for anyone on your motorcycle.
Are your passengers protected? Call Budget Insurance Agency at (478) 788-9188 for an instant motorcycle insurance quote.