Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Who Covers an Uninsured Motorcycle Rider

If a friend is riding your motorcycle with no insurance and hurts himself, you may find yourself being responsible for the medical expenses. Such cases are not clear cut.

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Many people will recommend that the friend seek medical help and omit the fact that the injuries were incurred while using a motorcycle. The reason for this is that personal medical insurance will likely not cover injuries from a traffic accident.

If you carry personal injury protection, it may provide coverage for your friend. If he was the passenger, he would definitely be covered, but as the driver of your motorcycle the claim may be denied.

Another option is that your liability insurance may cover the cost of the medical expenses. Because the motorcycle is insured, and it was not the owner riding, your friend may be eligible for coverage as a third party. If he sues you for the injury, your liability coverage will definitely cover your legal defense.

The best advice in regards to letting other people who are not insured ride your motorcycle is don’t! It opens up too many complicated matters in regards to insurance.

Motorcycle Insurance that Provides Medical Coverage

There are a variety of types of motorcycle insurance coverage options that actually provide for medical expenses. Bodily injury liability coverage will cover the medical expenses of another person who is hurt as a result of an accident where you are at fault. Uninsured motorist/underinsured motorist will provide medical coverage for you if you are hurt in an accident where the at-fault party does not have insurance or does not have enough insurance.

Personal injury protection (PIP), which may be called medical payments or no-fault insurance coverage, is an excellent type of medical coverage to carry for motorcycle owners. It provides for medical expenses for the driver and passengers of the bike in the case of an accident, regardless of who is at fault. This type of coverage also picks up associated expenses that other types of coverage may not, such as lost wages.

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Making Sure Your Liability Coverage Meets Your Needs

If you were to be sued because of an at-fault accident, would you have the extra money to pay for your legal defense? Would a judgment in the case of serious injury or death be financially devastating? If you answered yes, you need to make sure that your liability coverage on your motorcycle insurance is sufficient to protect you.

Most states have laws making liability coverage mandatory for motorcycle owners. However, the limits they require you carry are often pitifully inadequate. Talk with an insurance professional for guidance on the realistic amount of coverage you need to carry.

Get Motorcycle Insurance Quotes Now

Before buying motorcycle insurance, it makes sense to take the time to get a variety of quotes so that you can compare them carefully to make sure that you are getting the best possible coverage for your dollar. It used to be that getting insurance quotes would take a lot of time as you contacted company after company repeating the same information. Luckily, thanks to the internet, you can use a free quote tool in order to get multiple quotes at the same time and you only have to provide your information once.

You start by inputting your zip code into the quote tool and the system will start to ask you questions about your motorcycle, your driving record and the type of coverage you are looking for. Once the information is collected, it will be shared with a variety of insurers serving your area. Before you know it, you’ll have all the quotes you need to make the best choice possible.

When you have received your quote, make sure your comparison is based on more than just price. Your quotes should all be for the same amount of coverage for the same period of time. Check out the company to see how well they treat their customers. You can find this out by contacting your state’s department of insurance to learn about the complaints filed against the company. You can also learn a lot about a company through online searches for reviews of it.

Be sure to also check out the financial stability of the company. If you take out coverage you want the insurer to be financially responsible enough to pay out if you need to make a claim. There are multiple independent insurance ratings companies, like Weiss Ratings and Moody’s, which provide information about the economic standing of insurers.

Get started today with the quote tool to get the motorcycle insurance quotes you need for your next policy now!