Direct answer
It depends on whether you have added passenger liability coverage to your policy, as standard motorcycle insurance often only covers the operator. You must explicitly select guest passenger liability to ensure medical expenses for a passenger are covered in the event of an accident.
Standard insurance policy language regarding bodily injury liability exclusions. For additional information about policy exclusions and coverage, see the Insurance Information Institute‘s guide on how motorcycle insurance works.
What this means for you
It depends on whether you have added passenger liability coverage to your policy, as standard motorcycle insurance often only covers the operator. You must explicitly select guest passenger liability to ensure medical expenses for a passenger are covered in the event of an accident.
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This page is informational and not a coverage guarantee or quote.
