Whether you’re letting a friend borrow your motorcycle for a weekend ride or hopping onto someone else’s for a quick spin, it’s important to understand motorcycle insurance. At Wilcoxon Insurance Inc. in Sioux Falls, SD, we know that life on two wheels presents unique situations, and the right coverage can make all the difference.
Motorcycle Insurance: Does It Follow the Bike or the Rider?
One of the most common questions about borrowing or lending a motorcycle is whether the insurance applies to the bike itself or the person riding it. Generally, motorcycle insurance follows the bike, meaning that if you lend your bike to a friend, your insurance policy is likely the primary coverage in case of an accident. However, if the damages exceed your policy limits, your friend’s insurance, if they have it, may act as secondary coverage. Understanding this can help you avoid unpleasant surprises.
What to Consider When Borrowing a Motorcycle
If you’re the one borrowing a motorcycle, you should confirm that the owner’s insurance policy is active and sufficient. While their insurance might cover you, it’s always a good idea to have your own motorcycle insurance, especially if you ride frequently. Having a personal policy ensures you’re protected, no matter whose bike you’re on.
Motorcycle Insurance: Protecting Your Ride and Your Relationships
Borrowing or lending a bike is a gesture of trust, but accidents can happen. Motorcycle insurance helps protect your ride and relationships by minimizing disputes over repairs or liability.
Get Started with Wilcoxon Insurance Inc.
For riders in Sioux Falls, SD, Wilcoxon Insurance Inc. can help you find the right motorcycle insurance to cover all your adventures—whether it’s your bike or someone else’s. Contact us today to get started.
