Tuesday, September 30, 2014

Does my auto insurance cover my motorcycle accident?


The answer: Maybe.  It depends on your policy.

All policies are fairly well the same, but some have nuances.  

The nuances are written by the insurance company personnel to absolve them from having to pay for things that they don’t want to pay for. 

Whether your auto insurance policy will provide protect for you while injured riding a motorcycle simply depends on the language of your policy. 

Does the policy define a “covered vehicle as requiring “4 wheels”?  (I have seen this)

You can certainly review your policy in advance to see what it might and might not cover.  Most people don’t do this, but does not mean it can’t be done.

I have represented people where their auto policy provided coverage and other where it did not.

Just depends on the language of the policy. 


Do you know what yours says?