☰ ˟
Alliance circular logo listing Alliance services : Insurance, Payroll, Benefits, HR 
Home Page Email
  • Home
  • Business Insurance
    • Business Insurance Solutions
    • Workers Compensation
    • General Liability
    • Bonds
    • Cyber Liability
    • Professional Liability
    • Group Health
    • Payroll and HR
    • Trade Credit Insurance
    • Key Person
    • 401k
    • Safety Programs
  • Personal Insurance
    • Personal Insurance
    • Home/Auto/Life
    • Automobile
    • Homeowners
    • Valuables Insurance
    • Life
    • Motorcycle
    • Off-Road Vehicles Insurance
    • Renters
  • Industry Solutions
    • All Industries We Serve
    • Commercial Real Estate
    • Construction
    • ContractorsImage of right arrow
      • Window Cleaning Insurance
      • Fire Protection Insurance
      • Janitorial Services
      • Landscaping & Lawn Care
      • Alarm Installation Insurance
      • Tree Service & Arborists
    • Crane, Rigging, & Crane Operators
    • Manufacturing
    • Oil & Gas
    • Restaurant & Bars
    • Gym and Fitness Center Insurance
    • Medical Malpractice Insurance
    • Trucking
  • Our Team
    • About Us
    • Location(s)
    • Associate Agencies
    • Testimonials
  • Blog
  • Contact Us
Business
Insurance
Home/Auto
/Life
Health &
Benefits
Payroll
& HR
Home > Blog > 5 Ways Motorcycle Insurance Differs from Car Insurance
WEDNESDAY, NOVEMBER 1, 2017

5 Ways Motorcycle Insurance Differs from Car Insurance

motorcycles lined up

Many people think that motorcycle insurance works the same way as auto insurance. While both forms of coverage serve the same basic purpose, and the claims process is nearly identical, there are important differences to understand. Here are five ways motorcycle insurance is different from your general auto coverage.

1. It’s More Expensive

A motorcycle costs significantly less than a car. However, insuring a motorcycle usually costs more. This is because motorcyclists are at a higher risk of an accident, and thus a higher risk of making a claim. Someone riding a motorcycle is 5 times more likely to be injured and 29 times more likely to die in a traffic accident than someone driving a car. The good news is that the cost of coverage goes down if you have an inexpensive motorcycle and a good riding record, and are not insuring a sports bike.

2. Personal Injury Protection

Motorcycles offer very little physical protection, and riders are usually thrown from the vehicle in an accident. This means that they’re much more likely to be seriously injured than occupants of another vehicle. An option form of coverage called personal injury protection (PIP) is available for both motorists and motorcyclists, but it is much more important for motorcycle owners to get it since they’re more likely to be injured.

3. Passenger Coverage

Auto insurance automatically covers passengers in an accident as long as you buy more than basic liability coverage. Motorcycle coverage is different because bikes are usually assumed to be a means of transportation for one person. Guest passenger liability insurance is an option to cover injuries to passengers, but it usually only applies if you are not liable for the injuries. Medical payments coverage is another option that covers injuries regardless of fault.

4. Laid Up Insurance

Insurance companies understand there is no risk of a motorcycle accident during the winter when your motorcycle is stored. Many insurers offer laid up insurance that covers you against theft, fire, and other threats during winter storage. Laid up coverage reduces your annual motorcycle insurance costs, but you won't be covered if you take your bike out during this period and get in an accident.

5. Different Coverage Add-ons

Motorcycle insurance can be customized with several types of unique add-on coverage. Along with standard add-ons that motorists have available to them like roadside assistance, motorcyclists also have options like transport trailer coverage and coverage for custom accessories, parts, and equipment like chrome and saddlebags.



As you can see, not all vehicle insurance is the same. Motorcycle coverage shares many similarities with auto insurance, but don't make the mistake of assuming they're the same. If you do, you may not have the coverage you need when you buy a policy.


Posted 2:25 PM

Tags: personal insurance, motorcycle
Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

  • business insurance(102)
  • personal insurance(73)
  • small business(30)
  • homeowners(28)
  • car and auto(28)
  • health and benefits(26)
  • health insurance(19)
  • cyber(19)
  • saving money(18)
  • contractors(17)
  • claims(17)
  • construction(15)
  • workers compensation(12)
  • bar and restaurant(11)
  • life insurance(11)
  • agency news(9)
  • cost containment(8)
  • general liability(7)
  • oil and gas(7)
  • payroll and hr(6)
  • roofing(5)
  • bonds(4)
  • personal lines(4)
  • commercial auto(4)
  • job(4)
  • cannabis(3)
  • hail(3)
  • recognition(3)
  • become an agent(3)
  • commercial insurance(2)
  • auto insurance(2)
  • homeowners insurance(2)
  • professional liability(1)
  • hail damage(1)
  • property(1)
  • covid-19(1)
  • alliance team(1)
  • broker of record(1)
  • colorado(1)
  • trucking(1)
  • record hail(1)
  • payroll(1)
  • hail insurance(1)
  • crane(1)
  • winter weather(1)
  • oil & gas(1)
  • motorcycle(1)
  • product liability(1)
  • commercial auto insurance(1)
  • inland marine(1)

View Mobile Version
  • Carrier
  • auto-owners insurance logo
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
Connect With Us:
Social Social Social Social
Agency
Alliance Insurance Group
7910 Ralston Rd., Ste 7
Arvada, CO 80002

Phone: (303) 279-9700
Business Insurance
Home/Auto/Life
Health & Benefits
Payroll & HR
Home
About Us
Privacy Policy
Contact Us
Powered by Insurance Website Builder
Alliance Insurance Group Rated 4.8 / 5 based on 5 reviews. | Review Us