As a motorcycle owner, obtaining the right level of insurance is essential, as motorcycles inherently have greater risks of accidents and damage on the roads. If you’re someone who enjoys taking passengers for rides on your bike, you may be wondering if you need additional insurance for your riders for maximum protection. At North Coast Insurance Services, serving Lexington, MI, we help clients find the policies that best protect them anytime they’re on the road—even if they’re traveling with passengers.

Does the Law Require Add-on Insurance?

No. Standard liability insurance often pays for injuries or property damage you cause to others during a collision or accident, but it does not cover additional costs for medical injuries for you or your passenger. While it is not required by law, guest passenger liability or medical payments coverage is highly recommended. This is highly advisable if you’re someone who enjoys taking others for rides while on your motorcycle. 

Other Types of Insurance

In addition to guest passenger liability and/or medical payments coverage, there are also additional types of insurance you may want to consider once you’ve invested in your motorcycle. If you’ve customized parts, seats, or equipment on your bike, accessory and equipment coverage is also highly recommended. This can lend to protection if seats or investments are damaged during an accident or collision. 

Understanding additional insurance options as a motorcycle owner is key, especially if you plan to travel with add-on riders and passengers on your bike. At North Coast Insurance Services, we specialize in aiding clients to find insurance policies that work for them and those they care about most. To learn more about your insurance options as a motorcycle owner in or near Lexington, MI, contact us today for your consultation.