Riding a motorcycle offers a sense of freedom, but safety and protection become paramount when you have a passenger on the back. Many riders assume their insurance automatically covers a passenger in the event of an accident, but that’s not always the case. At Kempton Insurance Group, serving the greater Charlotte, NC region, we aim to help motorcyclists understand the specifics of their insurance coverage when they have a passenger.
Deciphering Passenger Coverage in Motorcycle Insurance
A standard motorcycle insurance policy typically includes liability coverage, which helps pay for damages if you’re at fault in an accident. However, this may not always extend to injuries sustained by a passenger. Some policies require additional coverage to protect anyone riding with you. Medical payments coverage or guest passenger liability can help cover medical expenses for your passenger if they’re injured in an accident, regardless of who was at fault.
Handling Accidents Involving Passengers
If you’re involved in an accident and your passenger is injured, the last thing you want to worry about is whether your insurance will cover their medical bills. You and your passenger could face significant out-of-pocket expenses without the right coverage. Adding the proper protections to your policy ensures that medical costs, lost wages, and other expenses are taken care of, giving both you and your passenger peace of mind.
Ensure Comprehensive Protection with Motorcycle Insurance
Motorcycle insurance isn’t just about protecting your bike—it’s about protecting everyone on it. Kempton Insurance Group, serving the Charlotte, NC region, can help you find the right coverage to protect your passengers every time they ride with you. Contact us today to review your policy and ride with confidence.
