Motorcycle owners must have a motorcycle insurance policy for safety and security. Such a policy will help pay for medical expenses, repairs, or other kinds of damages in case of accidents, thefts, or vandalism incidents.
But will you receive coverage if a friend wrecks your motorcycle in an accident? The answer is that it depends on the kind of coverage you have under the section motorcycle insurance for other riders. The best would be if your friend has a motorcycle insurance policy too. That policy can be used to cover certain costs.
In the majority of the states in the US, motorcycle owners must have liability coverage. While driving your motorcycle, if your friend damages someone else’s property or injures others, your liability coverage will help pay off the related expenses. However, the liability coverage will not include your friend's medical bills if they are at fault for the motorcycle wreck.
The injured person’s medical bills will only be covered via medical payments coverage, which is optional. Collision coverage will pay for the motorcycle repair if your friend wrecks it. This is also optional coverage unless you are financing or leasing the motorcycle.
There is a coverage limit for each kind of coverage in the motorcycle insurance policy. Collision coverage comes with a deductible, which you can choose while purchasing the insurance policy.
You might have motorcycle insurance for other riders, but still, some considerations must be considered. What will happen if the accident causes damage which exceeds the coverage limits? If your friend has motorcycle insurance, it will be a secondary policy for bridging that gap.
However, you must compare the two policies first. Insurance policies have clauses that explain coverage in case of multiple policies and policyholders involved in the accident. You have to know which policy will act as the primary one and which should be treated as the secondary policy. Talk to your insurance provider and understand the coverage of both policies before you give your motorcycle to your friend.
The friend’s insurance policy will cover no custom equipment installed on the motorcycle. This includes custom chrome, sound systems, custom paint, after-market windshields, or roll bars.
It might happen that your policy and your friend’s policy might be making the same assertions, and both can become the primary or the secondary policy. In such a situation, the accident expenses will be distributed with both policies contributing.
If your friend wrecks your motorcycle, coverage depends on your insurance and your friend's insurance. Liability coverage pays for damages to others, but not your friend's medical bills. Medical payments coverage covers their medical expenses, and collision coverage pays for repairs. Your friend's insurance can be secondary if the accident exceeds coverage limits, but compare policies first. Custom equipment may not be covered. Expenses can be divided if both policies apply.
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