While both motorcycle and auto insurance will protect you from the risks of the road, they don’t provide the same kind of coverage. This is because these vehicles are used in different ways. The following guide will help you understand the difference between these two types of policies.

How Does Motorcycle & Auto Insurance Differ?

1. Number of Passengers

All cars have room for more than one person, so insurance companies assume that you’ll have passengers in the vehicle at least once in a while. If you’re in an accident, their injuries and other losses may also be covered by your insurance policy.

Motorcycles, on the other hand, are assumed to be single-passenger vehicles, so you may need to purchase additional coverage if you’re going to have riders on the back.

2. Personal Injury Protection

Personal injury protection (PIP) covers your medical expenses if you're hurt in an accident, regardless of who causes the crash. Because motorcycles don’t have the safety features of passenger cars, riders are more vulnerable to injuries that could exceed the other driver’s liability limits. Personal injury protection provides an additional layer of protection that many bikers need.

3. Protection for Personal Property

Unlike auto insurance, motorcycle insurance usually extends to cover your helmet, gloves, and leathers, which are considered essential safety equipment. If you’re in an accident, your insurer may pay for your gear along with the repairs to your bike, including modifications, aftermarket parts, and any other property damaged in an accident.

If you’re buying a motorcycle in Thomaston, GA, Angela Clark Insurance is here to help you prepare for the unexpected. For over 20 years, they’ve provided affordable motorcycle and auto insurance options to customers throughout the area, offering friendly, hometown service with a personal touch. Visit their website for more on their insurance options or call (706) 647-4048 to request your free quote today.