Protecting yourself when you’re on the road as a motorcycle owner is crucial, as motorcycles inherently carry increased risks while on the road. Knowing the difference between standard liability auto insurance and motorcycle insurance is crucial for optimal protection. At Grove Insurance, serving Brownsburg, IN and surrounding areas, we help clients determine which insurance policy is right for them based on motorcycle usage and the current condition of specific bikes.

Risk Profile

Motorcycle drivers have an increased risk of being involved in accidents and collisions. Therefore, motorcycle liability insurance has different premium ranges compared to standard auto policies. Insurers factor in rider experience, bike type, engine size, and the frequency of use when issuing policies. These elements do not typically come into play with traditional and standard auto insurance policies. 

Coverage Requirements

Both motorcycle riders and vehicle owners in Indiana must meet minimum state requirements for property damage and bodily injury with their chosen insurance policy. However, motorcyclists may benefit from higher liability limits because accidents involving motorcycles typically result in more severe injuries and higher medical costs. 

Passenger Liability 

Motorcycle policies can include optional passenger liability add-ons, protecting riders when driving with or carrying passengers. This is not always automatically included in traditional policies, so it’s important to discuss this option with your agent, especially if you’re someone who often drives with additional passengers. Add-on insurance options may also include protection for accessories, safety gear, and custom parts to suit your bike’s setup. 

Understanding the difference between standard auto liability insurance and motorcycle insurance is essential for any motorcycle owner. At Grove Insurance Agency, serving Brownsburg, IN, we’re here to help guide you through the process of finding the insurance policy that suits your specific needs. To learn more about motorcycle insurance that is right for you, contact us today.