Who’s Covered in Your Motorcycle Insurance Policy?

If you own a motorcycle, it’s your responsibility to obtain insurance coverage to protect you and others against accidents. The type of coverage you obtain will depend a great deal on your state’s requirements and your motorcycle riding habits. If others will be using your bike, adding them to your policy protects you against accidents they may cause on the road. At Eichelmann Insurance Agency in Dallas, TX, we can help you obtain the type of coverage you need.

Liability Coverage for Other Riders

As motorcycle accidents can cause serious injuries on the road, liability coverage is a must to protect your interests. It’s not unusual for motorcyclists to sue one another for accidents caused by negligent riding. If your bike is going to be used by others, you’ll want a policy that offers property damage and personal injury liability coverage for additional riders. You don’t want to be held liable for injuries or property damage to others when someone else is using your bike.  

Obtaining Coverage for Other Riders

If you plan to share your bike with others, adding them to your policy will protect you in the event they cause an accident. Most insurers will review the driving records of additional riders and take this information into account when determining insurance costs. If your friends have questionable driving records or are new riders, they pose a greater risk of causing an accident. Adding them to your policy may result in higher insurance costs.

Some insurers offer minimal protection for riders that are not named on a motorcycle policy. Others expect the rider to have insurance of his own to cover accident damages. At Eichelmann Insurance Agency, Dallas, TX, we can personalize your motorcycle insurance package to ensure you get full protection for additional riders. Talk to an agent today for all your motorcycle insurance needs.