Is A Motorcycle Included In Your Auto Insurance Coverage?

​Most people think that having car insurance coverage means you also have coverage for your motorcycle. Well, it doesn't work that way. Some may opt for an extension of their car insurance; others may get a separate policy. Either way, you can still get motorcycle insurance. Just know that it's not included with your car insurance.

Two Ways to Get Motorcycle Insurance
Your motorcycle may not be included in the car insurance, but there are two ways to get coverage. One method is you can have an extension policy or what is sometimes called a motorcycle endorsement. Another is to get a new insurance policy specifically for your motorcycle.

1. Motorcycle Endorsement
   Motorcycle endorsements are not the same as full coverage. This insurance is just an extension if you have an existing car insurance policy. This extension allows you to have your motorcycle insured without full coverage.
   
   
2. Getting a New Insurance Policy
   If you're using your motorcycle for your transportation, get it insured. It may not mean you will be safe, but it can help if accidents occur.

How Can You Get Motorcycle Insurance?
Applying for motorcycle insurance can be the same as applying for your car insurance policy. You can also get one from your existing car insurance. Call your agency and they can help you.

Coverage For Other Riders
Coverage for riders typically comes from whoever is at fault. If you're not at fault, the at-fault party's insurance can help cover the damages for you and your passenger. And if you're at fault, your insurance may shoulder the accident's damages.

Wear a Motorcycle Helmet
Wearing a helmet may protect you from damage from an accident. Although it may not prevent accidents, it may keep you safe from serious injuries. Also, getting motorcycle insurance is part of the process. Your local state may not require you or your passenger to wear a motorcycle helmet, but it may be necessary when getting motorcycle insurance.

Conclusion
Motorcycle insurance is different from your car insurance policy. You may get insurance through your car insurance by motorcycle endorsement, or you can get new motorcycle insurance. Applying for motorcycle insurance is the same as car insurance. It may cover you and your passenger if accidents ever happen. Ensure to keep wearing your helmet for full safety on the road. 

At Priority Insurance LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (864) 297-9744. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!