If you’re a motorcycle enthusiast, you know the thrill of the open road is even better when shared with a passenger. But what happens if there’s an accident and your passenger gets injured? At Grove Financial & Associates Inc. in Mechanicsburg, PA, we believe it’s essential to understand how your motorcycle insurance policy can help protect everyone on board.
Passenger Injuries and Liability Coverage
Motorcycle insurance typically includes bodily injury liability coverage, which can help pay for injuries to others if you’re found at fault in an accident. This includes your passenger. For example, suppose you’re riding with a friend and you get into an accident where you’re responsible. In that case, your policy’s liability coverage can help with their medical bills, lost wages, and even legal expenses if necessary.
Guest Passenger Coverage
Some policies offer a specific type of protection called guest passenger liability. This coverage is specifically designed to protect someone riding on the back of your motorcycle. While not every state requires it, guest passenger liability is a smart addition to your policy. In some cases, it’s included automatically, while in others, it’s a separate add-on. That’s why it’s important to review your policy carefully or consult with an agent who can guide you through your options.
Medical Payments Coverage
Medical payments coverage, also known as MedPay, is another optional benefit. It helps cover medical expenses for both you and your passenger, regardless of who caused the accident. This coverage can be especially helpful if your health insurance has high deductibles, providing an extra layer of financial protection.
At Grove Financial & Associates Inc. in Mechanicsburg, PA, we’re here to ensure your motorcycle adventures are covered from every angle. Contact us today to review your policy or explore coverage options that protect both you and your passengers.
