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Being an owner of a motorcycle can be one of the most exciting things in your life, but the insights from the National Safety Council show that a bike accident that causes serious accidents to happen every 6 minutes in the United States. Along with that, motorcycle theft is also more common than you can think and only just 20-25% of bikes that are taken are ever found. Another reason to get complete protection exclusively made for you is that 80% of all motorcycle crashes result in a fatality. So, if you had thought that motorcycle insurance is a waste of your money, think again: Insurance is increasingly about dealing with your dangers over some other thought. Without protection, all it takes is one accident to drain your savings or your capacity to pay clinical costs for yourself or another person you're liable for.
This depends on the policy you have. Motorcycle liability insurance (the most general insurance type) will not cover your riding passenger in the event of an accident. To protect yourself and your passenger, it is recommended that you invest in comprehensive and collision coverage plans.
Yes, every state across the U.S. requires motorcyclists to carry some form of insurance, though keep in mind that the amount varies. Check with your state government’s transportation services department to learn more about your state’s motorcycle insurance laws.
This will again depend on the policy you carry. Some motorcycle insurance policies cover track days, and others do not. Every policy comes with its own set exclusions, meaning if your policy technically does cover track days, your claim can be denied depending on the type of accident you had out on the track.
In traditional car insurance terms, liability coverage pertains to coverage extended to other people in your car -- and it’s almost always mandatory. The thinking is that some passengers lack medical insurance and the national economy needs to be protected from injured folks who can’t pay their medical bills.
Liability coverage for motorcycle drivers is more optional; it’s called guest passenger coverage, and if you truly believe you will never have any passengers on your back then it could be a way to save money on insurance. We don’t recommend this path, but it’s obviously a personal choice.
