Does car insurance cover motorcycles?

摩托车s are not generally covered under your car insurance or homeowners policy. 通常情况下, motorcycles are insured with their own policy. According to ValuePenguin, motorcycle coverage costs almost the same as car insurance with the average motorcycle insurance of $60 a month 和 $58 per month for car insurance.

Why are motorcycles not covered by your auto or home insurance policy?

摩托车 insurance exists because, as with other motorized 车辆s, motorcycles come with their own risks, 和 those risks include injuries to the rider 和 damages to the bike. 作为一个 安全的骑手 can help minimize those risks. Unfortunately, injuries are usually greater with a motorcycle in the event of a crash. 即使有 头盔 or 骑齿轮, your body is not protected on a motorcycle like it is in a car. Plus, at the speeds you are traveling, motorcycles tend to be more heavily damaged in accidents. Additionally, if you are traveling with a passenger, you both could be injured, maybe seriously.

一般, motorcycles are less expensive to purchase 和 repairs are not as costly as repairs for a car. 然而, t在这里 are still a variety of factors with different models, purchase price 和 repair expenses that will play a part in determining insurance costs.

Due to costs associated with medical treatment 和 motorcycle repairs, it’s worth exploring your options for motorcycle insurance. When reviewing insurance policies, t在这里 are some important questions to consider.

What questions should I ask about a motorcycle insurance policy?

• Am I covered if t在这里 are injuries? Some basic insurance policies might not cover you if you are injured. When looking at costs 和 coverages of the policies, think about what you’d be expected to pay out of pocket if you’re involved in a crash.
• Is collision coverage required? Some states may not require collision coverage for a motorcycle like they do with car insurance. 然而, if t在这里 is a lienholder, collision coverage may be needed.
• Does motorcycle insurance cover other riders? Some insurance policies may not cover passengers. Since motorcycles are generally considered single rider 车辆s, it’s a good idea to ask about passenger coverage when purchasing a policy.
• Is my personal equipment protected? Often, protective equipment such as a 头盔 is covered under your motorcycle insurance policy. 但, if you travel with other items in a saddlebag, such as a computer, you’ll want to verify if they’re covered by your motorcycle insurance policy or your homeowners policy.
• Is my motorcycle covered in the “off season”? In many states, motorcycles are ridden for only part of the year. Some insurance companies may only insure your bike for what they consider the riding season to get you a lower rate. You might need year-round coverage to ensure your bike is protected against theft 和 accidents while it is being stored.
• Does it include coverage that’s similar to my car insurance? Make sure you review what’s included for comprehensive, collision 和 liability in your motorcycle insurance policy. These coverages are common with auto 和 motorcycle insurance but t在这里 may be differences you should ask about, 和 some of these might be optional under your motorcycle insurance.

What to consider before purchasing a motorcycle

Thinking about a motorcycle? Before you purchase one, t在这里 are some things you might want to consider.

• W在这里 are you going to learn to ride a motorcycle? Your driver’s education course in high school probably didn’t teach you about riding a motorcycle 和 your friend might not be too willing to let you learn with theirs.
• Do you need a permit? Many states require a specific driver’s license to operate a motorcycle.
• Do you need a 头盔? Not all states require wearing a 头盔, but when safety is a goal, it’s a good idea to have one.
• What type of motorcycle do you want? T在这里 is a wide variety out t在这里 based on how you want to ride, from sport bikes to touring 和 cruiser bikes, 和 motorcycles are all rated differently by insurance companies.
• And finally, t在这里 is motorcycle insurance.

In all, motorcycle insurance is not much different than your car insurance. Companies offer different levels of deductibles 和 liability coverage, additional services like roadside assistance 和 ways of saving like telematics to help you find a price that works within your budget. It’s important to underst和 factors that might determine your motorcycle premiums. It’s also just as important to talk to an insurance agent to fully underst和 what coverages are available.