Skip to content
Click to Call
Guardian Insurance

13520 Discovery Dr., Ste. 224
Omaha, NE 68137

Get Directions

Guardian Insurance Blog

Insurance Blog

The Tiddler Rider’s Guide to Motorcycle Insurance

If you don’t know what a tiddler is, you are a real tiddler rider or not even really a motorcyclist at all. A tiddler is a small motorcycle under 250cc; something ridden by someone very new to motorcycle riding. If you’re a fairly new motorcyclist, it isn’t just the slang you got to know. You need to know about motorcycle insurance before you go cruising all over the Midwest. Let’s rev it up!

Auto Insurance Won’t Cover It

The first thing you have to learn is if you have auto insurance it won’t cover a motorcycle. Every biker knows there’s a mile-long list of differences between a cage and a hog. Insurance companies know this too and bill accordingly. 

You Have Options

Motorcycle collision insurance will cover damage done to your bike in the event of a collision. Comprehensive insurance will cover your motorcycle in the event of any other damage or theft. Personal injury protection will take care of your medical bills and lost wages should you be injured on your bike. If you are in an accident and the other driver was at fault but has little to no insurance then uninsured/underinsured motorist coverage is what you’ll need. If you plan to modify your bike, you may find coverage for custom parts useful. 

Consider How Often You Ride

Are you a weekend warrior or is your bike your daily commute?  An agent knowledgeable in motorcycle insurance will get you a good deal according to your needs. 

Consider Taking a Safety Course

Not only is this a very good idea for new riders, but you may get a discount on your insurance. 

Guardian Insurance Serving Omaha, NE

If you are in need of motorcycle insurance and are in the Omaha, NE area, consider Guardian Insurance. We’ll get you what you need. 

What Is Guest Passenger Liability Insurance in Regard to Motorcycle Coverage?

If you are looking to purchase motorcycle insurance, one of the terms that you may come across is guest passenger liability insurance. Here at Guardian Insurance, serving the greater Omaha, NE and Midwest region, we want to answer any questions you may have in regard to motorcycle insurance to help you find the policy that is ideal for you.

Here are some of the questions you may have about guest passenger liability insurance:

What Is Guest Passenger Liability Insurance?

Guest passenger liability insurance helps to cover the costs of medical care if you are at fault for an accident and a guest traveling on your motorcycle is injured. The coverage limits vary based on the policy, so always carefully review the policy limit to ensure that it is set at an appropriate amount to cover medical expenses for an accident. 

Are Passengers Not Covered Under Minimum Motorcycle Insurance Coverage? 

Unlike auto insurance, motorcycle insurance does not automatically cover passengers and their medical expenses. This is because not every motorcyclist rides with passengers. As such, no, passengers are not covered if you strictly have state minimum motorcycle insurance coverage. You will need an add-on to your policy or a policy that includes guest passenger liability insurance to ensure your passengers are covered. 

Reach Out To Us

If you plan on riding with passengers on your motorcycle, it makes a lot of sense to purchase guest passenger liability insurance to ensure your passengers are medically covered in the event of an accident. If you are looking for a motorcycle insurance policy that offers guest passenger liability, the team at Guardian Insurance, serving Omaha, NE and the greater Midwest area, would love to assist you. Reach out to us today to get started. 

What does motorcycle insurance cover?

If you are a motorcycle owner, you need to protect your bike with motorcycle insurance. Just like with other types of insurance, motorcycle insurance has different types of coverage that you can have on your policy. What is required, and what types of motorcycle insurance coverage are available? Guardian Insurance is happy to assist bikers in Omaha, NE and the Midwest region with all their insurance needs and queries. 

What does motorcycle insurance cover?

Several things are included in motorcycle insurance if you have that coverage as part of your policy. Here are the types of motorcycle coverage that are available and what they cover:

Liability coverage

Most states require a minimum amount of liability insurance. There are two types of liability insurance: bodily injury liability and property damage liability. Bodily injury coverage provides compensation for medical payments, pain, and suffering for the other party if you cause an accident. Property damage liability coverage covers the cost of repairing the other party’s property/vehicle if you damaged their property in an accident you caused.

Comprehensive and collision coverage

If you cause an accident, your liability insurance pays for the other person’s expenses, but what about your expenses? This is where comprehensive and collision coverage comes in handy. Collision coverage pays to repair your motorcycle if you were responsible for the accident. Comprehensive coverage covers damage to your bike from something other than a collision, such as vandalism, theft, or natural disasters.

Uninsured/underinsured motorist coverage

In most cases, if the other party is at fault for an accident, they are responsible through their liability insurance. While collision coverage and liability coverage seem like all you need, sometimes the other party is at fault, and they don’t have enough or any liability insurance. In this case, uninsured or underinsured motorist coverage would take care of the damage the other party caused.

Medical payments coverage

While collision coverage covers your vehicle in an accident that you are responsible for, medical payment coverage pays for your medical bills that resulted from the accident.

Reach Out To Us Today

To get a quote for your motorcycle insurance in the Midwest, contact us at Guardian Insurance in Omaha, NE.

Servicing These States

  • Nebraska
  • Iowa
  • South Dakota
  • Arizona
  • Florida
  • Kansas
  • Colorado
  • Missouri


  • AAA
  • Allstate
  • American Modern
  • Battle Creek
  • Clear Cover
  • Foremost
  • Grinnell Mutual
  • Hippo
  • Nationwide
  • Progressive
  • Safeco
  • Travelers