Hitting the open road with a friend on your motorcycle can be an exhilarating experience. However, before you and your passenger zoom off into the sunset, it's crucial to consider their safety and ensure they're adequately covered in case of an accident. Let's continue reading to explore motorcycle insurance coverage and the various insurance options available to protect your passengers, which will help you make informed decisions.
While your motorcycle insurance policy protects you, the rider, it might not automatically extend coverage to passengers in case of an accident. Here are some key coverages to consider for passenger protection:
Personal Injury Protection (PIP): Similar to medical payments coverage, PIP helps cover medical expenses for your passenger. Still, it may also cover lost wages and other out-of-pocket costs associated with the injury. PIP coverage availability varies by state.
Uninsured/Underinsured Motorist (UM/UIM) Coverage: This coverage protects your passenger if the driver who caused the accident doesn't have adequate insurance or doesn't have insurance at all. UM/UIM coverage can help pay for medical bills, lost wages, and pain and suffering experienced by your passenger.
Guest Passenger Liability Coverage: Many states require motorcycle insurance policies to include guest passenger liability coverage. This coverage kicks in if you are found at fault for an accident and your passenger sustains injuries. It helps cover your passenger's medical expenses, lost wages, and pain and suffering up to your policy limits.
Review your motorcycle insurance policy documents. Look for coverage sections mentioning "guest passenger liability" or "passenger liability." If you have any doubts, contact your insurance agent. They can clarify your policy details and answer any questions you may have.
The best level of coverage for your passengers depends on several factors, including:
Frequency of carrying passengers: If you frequently ride with passengers, it is advisable to obtain higher coverage limits for medical payments, PIP (if available in your state), and UM/UIM.
State requirements: Some states mandate minimum coverage limits for guest passenger liability.
Your personal risk tolerance: Consider your comfort level with potential financial burdens in case of an accident. Opting for higher coverage limits might provide greater financial relief.
At Little & Sons Insurance Services, we believe in prioritizing not just your safety but also the safety of those who ride with you. Our experienced agents can help you customize your motorcycle insurance policy to ensure adequate protection for yourself and your passengers. Don't wait for an accident to happen before considering passenger protection. Contact us today to ensure a secure and enjoyable ride for you and your passengers. Remember, a little planning goes a long way in ensuring everyone on the road has a safe and protected journey. Call us at 1-844-954-885 for further assistance.
