Riding With a Passenger? What Your Insurance Needs to Include in Oklahoma

Assuming your policy covers passengers can be a costly mistake, as not all motorcycle insurance is the same. A coverage gap can put you and your passenger at financial risk. Best Insurance, Inc helps riders understand what their policy includes.

What Is Covered by Motorcycle Insurance?

The following coverage options are often included in standard motorcycle insurance policies:

• Bodily injury liability coverage is required by law and may help cover injuries to others if you are at fault. In Oklahoma, this may include a passenger, though coverage limits may not be sufficient for more serious injuries.
• Guest passenger liability coverage may help cover injuries to a passenger if you are cause an accident and are legally responsible for the passenger’s medical costs. This coverage is not always included by default, making it important to review your policy.
• Accessory and custom parts coverage can extend to certain upgrades, customizations and added accessories on your motorcycle.
• Uninsured or underinsured motorist coverage may help cover medical costs for you and your passenger if you are injured by a driver with little or no insurance.

Your policy may also offer optional add-ons, such as:

• Roadside assistance coverage
• Trip interruption benefits
• Rental reimbursement

Get a Free Quote

Best Insurance, Inc helps local motorcycle owners review their insurance and consider coverage options that match their riding habits. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.