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Does Motorcycle Insurance Cover My Passenger?

Updated: April 2018

Motorcycle insurance may help cover your passenger, depending on the type of coverage you have on your policy, the state where you live and who was at fault in the accident. Guest passenger liability coverage, medical payments coverage and personal injury protection are the three types of motorcycle insurance coverage that help pay for your passenger's medical bills after a wreck.

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What Does Guest Passenger Liability Cover?

Guest passenger liability coverage helps pay for your passenger's medical expenses if you cause a motorcycle accident. But, guest passenger liability won't apply if you (the insured) are not at fault for the accident that injured your passenger. In that case, the at-fault driver's liability coverage may help pay your or your passenger's medical expenses.

Guest passenger liability coverage may be included as part of the bodily injury liability coverage in your policy, or it may be a separate coverage. Read your motorcycle insurance policy declarations or check with you agent to be sure.

In some states, guest passenger liability coverage is required on a motorcycle insurance policy. In other states, it's optional.

What Does Medical Payments Cover?

Medical payments coverage helps pay for your and your passengers' expenses if you're injured in a motorcycle wreck, regardless of who's at fault. Medical payments coverage may help pay for:

  • Hospital visits
  • Surgery and X-rays
  • Ambulance and emergency medical technician fees
  • Professional nursing services
  • Health insurance deductibles and co-pays
Medical payments coverage is optional on a motorcycle insurance policy. Ask your agent about adding it to your policy to help protect you and your passengers.

What Does Personal Injury Protection Cover?

Personal injury protection (PIP) may help cover you and your motorcycle passenger if you're injured in an accident, regardless of who caused the accident. depending on your state's laws. PIP, sometimes called no-fault insurance, is only available as part of a motorcycle insurance policy in a handful of states. PIP may help pay for your and your passenger's medical expenses, lost income and even funeral expenses after a motorcycle accident.

Check with your agent to see whether PIP is available where you live.

Coverage Limits

Each type of motorcycle insurance coverage has its own separate coverage limit. The limit is the maximum amount your insurer will pay for a covered claim. You select your coverage limits when you purchase motorcycle insurance. Your state's laws may require that you purchase a minimum amount of guest passenger liability coverage when you buy motorcycle insurance. But, you may want to consider purchasing more coverage by choosing a higher limit. If you're found liable for your motorcycle passenger's injuries, you may have to pay for expenses that exceed your coverage limit.

Need help understanding the motorcycle insurance laws in your state? Chat with a local agent so you can get information on a policy that helps protect you, your bike and your passengers.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2020 Allstate Insurance Company, Northbrook, IL.
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