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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. 

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