Am I covered if my friend wrecks my motorcycle?

Motorcycle owners in most states are required to have liability coverage. If your friend injures another person or damages someone else's property while driving your bike, your liability coverage may help pay for related expenses. Your liability coverage won't pay for your friend's medical bills if he's at fault for the crash.

Medical payments coverage may help cover your friend's medical bills if they're injured in a wreck while riding your bike. Medical payments is an optional coverage.

Collision coverage may help pay to repair your bike if your friend wrecks it. Collision coverage is optional unless you're leasing or financing your bike.

Each coverage on your motorcycle policy has its own separate coverage limit. A limit is the maximum amount your insurer will pay for a covered claim. Collision coverage also has a deductible, which is the amount you pay out of pocket toward a covered claim. You select your deductible when you purchase collision coverage.

Maybe, but you'll need to check the language of you and your friend's policies. Typically, you will find language that explains how coverage will be handled in situations involving multiple policies and policyholders, and which would be considered the primary vs secondary policy. There may be a situation where your policy and your friend's policy both indicate they should be considered the primary insurance on a claim, or that both should be considered secondary. When that happens, the costs are divided, and both policies contribute. But the specifics of your friend's policy may limit what would be covered, including physical damage to your bike and customizations you may have made to your bike (such as custom paint and parts), so it is a good idea to make sure you both have an understanding of what is or isn't covered before you loan your bike out.

If you have any questions about what would be covered by your motorcycle insurance, talk to your insurance provider.