Nothing beats hitting the open road on your motorcycle, and most riders want to share that experience with friends and family. However, just as no two riders are the same, not two motorcycle insurance policies will provide the same coverage. It’s important to understand the ins and outs of your insurance before taking another person on a joyride. Here’s what you need to know about insurance and additional riders not named on the policy.

Does Motorcycle Insurance Protect Passengers?

Unlike most car insurance, motorcycle insurance only offers minimal coverage at the base level. Though every policy is slightly different, most standard insurance policies are designed to protect the motorcycle driver and those named on the policy. This means your standard coverage will not extend to any passengers riding with you. However, if you have comprehensive coverage, additional passengers are often afforded some protection. Keep in mind that you’ll want to review the details of your policy before taking another person for a ride. If they’re not covered by your insurance, you’ll be liable for any injuries they sustain if you’re involved in an accident.

What to Do If Your Policy Doesn’t Cover Passengers

If your insurance doesn’t include passengers, you can always upgrade your coverage. Speak with your insurance agent and explore your options. Increasing your coverage limits to include passengers may cause your premiums to rise, but it will give you more flexibility and make riding double as safe as possible. If you plan on carrying the same passengers repeatedly, you may want to name them on your policy. This way, there will never be a question of whether or not they’re protected.

At 1^st Choice Insurance in Fairfield, OH, their experienced agents want to help you find the best motorcycle insurance for your riding style and habits. They’ll get to know you and your passengers so you can rest assured that you’re protected anytime you’re on the road. If you’ve been having trouble getting affordable quotes from other providers, rest assured that they’ll be able to find the right policy for your needs, whether you need high-risk insurance or want to review your current rates. You can learn more online, and call (513) 860-0666 for a free quote today.