Many people make the mistake of thinking insurance is the same whether they’re driving a car or riding a motorcycle. In reality, there are some distinct variations between motorcycle and car insurance you should be aware of if you need coverage for a bike. Before you start the shopping process, it can be helpful to gain some insight from the professionals. Aaron Insurance Agency in Dothan, AL, explains some of the key differences between motorcycle and car coverage options. 

How Do Motorcycle & Car Insurances Differ?

Personal Injury Protection 

In several states, standard motorcycle insurance policies do not cover injuries a rider experiences in an accident. This means motorcyclists must specifically add personal injury protection to their policy. In contrast, car insurance policies typically include personal injury protection, covering injuries sustained by the driver, passengers, and any pedestrians involved in a collision. 

Passenger Liability 

One of the main ways motorcycle and car insurances differ is in the coverage of passengers. Since cars are designed to hold more than one person, policies are intended to cover everyone in an automobile. Motorcycles are technically built as a one-person vehicle, which means motorcycle insurance policies don’t generally include passenger protection. Instead, riders have the option to buy guest passenger liability coverage to protect passengers if they’re injured in a crash.

Seasonal Coverage 

While it might be possible to get seasonal coverage on a car, this is not common practice and is usually difficult to do. On the other hand, most providers offer seasonal coverage as an option for motorcycle insurance. This is because many riders don’t take their bikes out during the winter months but still need coverage to protect against disasters that can occur any time of the year, such as fire, theft, and vandalism. 

Understanding how providers treat motorcycle and car insurances differently will help you make the right coverage decisions for your bike. However, the best way to ensure you get an adequate amount of protection at the lowest rate possible is to work with an insurance agent at Aaron Insurance Agency. They will carefully analyze your situation to find the products that will most suitably mitigate your risks when navigating the roadways, regardless of if you’re on a motorcycle or in a car. Call (334) 712-0777 or visit them online to request a quote.