If you’ve recently purchased a motorcycle, you might be wondering if your auto insurance policy will cover it. However, most insurance companies insure automobiles and motorcycles on separate policies. Here are a few reasons car and motorcycle insurance differ.

How Are Car & Motorcycle Insurance Alike?

Both car and motorcycle insurance require liability coverage. In the state of North Carolina, you have to meet liability limits of $30,000 in bodily injury for each person, $60,000 in total bodily injury and $25,000 in property damage. This is for both cars and motorcycles.

How Do the Vehicles Differ?

If you have both a motorcycle and a car, you probably use them differently. For instance, cars are generally used for going back and forth to work and toting kids around. You may only use a motorcycle on the weekends and may not drive it at all during the winter months.

Also, when you’re insuring a car, your insurance policy automatically accounts for passengers since passengers are common in a car. This is not the case for a motorcycle. Motorcycles generally cover the driver. Some policies will require you to purchase extra coverage if you drive with a guest passenger.

When you’re driving a motorcycle, you need accessories such as a helmet and protective gear. If you have comprehensive and collision coverage on your motorcycle, most insurance companies also automatically cover your accessory damage in the event of an accident.

Are you in need of motorcycle insurance? If so, the insurance experts at A Better Choice Insurance will help you find the perfect policy. Located in Concord, NC, this family-owned business, has been serving the community for over 25 years and prides themselves on their excellent customer service. For more information, check out their website or call them at (704) 782-2073 to get your free quote today.