Does motorcycle insurance cover my passenger?

You are driving down the highway when the unexpected happens. A car veers into your lane and the rest of the story is a tragic account of how you lost control of your bike and ended up in a ditch. Thankfully, you and your passenger are alive and able to tell the story of how you escaped. Both of you, however, need immediate medical attention and require several weeks of recovery. You cannot help but wonder if your insurance policy in Denver, CO is enough to pay for everything. Does motorcycle assurance cover your passenger?

The agents at Alliance General Insurance Agency can provide a full explanation about how motorcycle indemnity plans work when passengers are involved. Read on to learn how passengers are generally covered under Guest Passenger Liability and Medical Payments stipulations. 

What is Guest Passenger Liability Coverage?

Guest Passenger Liability coverage pays for your passenger’s medical expenses in the instance that an accident is your fault. This assurance option does not work, though, if someone else caused the accident. Your passenger will need to pursue compensation from the at-fault driver for medical expenses in such a case. Many General Passenger Liability coverage options are included in bodily injury insurance plans. There are times, however, when you have to purchase the coverage separately. It is always best to ask your Denver, CO insurance provider about coverage for your passenger to ensure that you are fully protected. 

Coverage for Medical Payments 

Coverage for medical payments means that you do not have to come out of your pocket to pay for hospital visits and other treatment related to a motorcycle accident. Your insurance policy may pay for:

  • Hospital Visits
  • X-rays
  • Surgery
  • At-home Nursing Care
  • Health Insurance Deductibles and Co-payments

An agent at Alliance General Insurance Agency can help you find the motorcycle assurance policy that works best for your lifestyle. Call them today to get started with a quote!