Does my car insurance cover my motorcycle?

If you own both a vehicle and motorcycle, you may be tempted to believe that your auto insurance will offer coverage when you are involved in an accident while using your motorbike. After all, your auto insurance offers protection if you drive someone else’s car or a rental vehicle, so why wouldn’t it cover you when you use your motorcycle?  This assumption is extremely misplaced and will make you incur more expenses than expected.

Your car insurance doesn’t cover you when you get into an accident on your motorbike

It’s essential to get a separate insurance plan for your motorcycle from an insurance company like Henderson Insurance Agency in Harrisburg, PA. The policy should offer protection for the motorcycle and any rider who may use it. This coverage is essential because it will cover damages to the bike and injuries you may incur after an accident.

Motorcycle insurance offers different coverages compared to car insurance

Even though motorcycle insurance may not be required in some states, this doesn’t mean that it’s not essential. According to statistics, an accident between a motorcycle and a car will likely cause damages and injuries to the motorcycle rider. So, you need a plan that will cover the bike from damages and pay your medical expenses, including the days you will spend away from work while recovering.

Some insurers provide motorcycle endorsements on the regular car insurance policy, but this has to be bought separately. Nevertheless, you need to be careful about these endorsements because they are limited and don’t offer adequate coverage like stand-alone motorcycle insurance policies.

Consider getting a motorcycle policy that provides liability, comprehensive, collision, or medical payment coverages. You can also add other services like gap coverage, towing service, and replacement of personal property.

For more information on motorcycle insurance in Harrisburg, PA, be sure to contact Henderson Insurance Agency.