As a motorcycle enthusiast, you may be tempted at times to give other people rides on your bike, or allow others to drive your motorcycle. However, before you let anyone get on your bike and explore the NE Arkansas highways, as a driver or passenger, you need to make sure they are covered in the case of an accident.
Does My Motorcycle Insurance Cover My Passengers?
Whether or not your riders or passengers are covered when on your bike depends on the type of motorcycle insurance policy you have. For the most part, motorcycle liability (the most common type of insurance) won’t cover any riding passengers in the event of an accident. In order to protect yourself and your passenger, a comprehensive and collision coverage plan should be in place. If your rider also has their own motorcycle coverage, that may kick in after your coverage limits have been reached, to bridge any gaps in liability
Can I Add Other Riders To My Policy?
Most motorcycle insurance policies offer the option to add other riders to your policy and extend your coverage to them. If you do add a specific person by name, any damages that result from an accident or collision may not be covered under your policy.
How Do I Add Other Riders To My Coverage?
GTW Insurance will request a list of names of riders you would like covered under your policy. They will then check those drivers’ driving records. Those results will determine the cost of your motorcycle insurance policy. Some policies provide very limited coverage even if a rider is not named explicitly, but that is rare.
Why Do I Need Coverage for Other Riders?
For NE Arkansas riders, motorcycle liability insurance is essential, as motorcyclists are often sued due to the stigma of motorcycles as being dangerous. Look for a GTW Insurance policy that covers you against property damage as well as liability for any other driver in order to protect your assets in the event you are sued when you were not the one driving your motorcycle.