Does My Motorcycle Policy Cover Passengers?

Does My Motorcycle Policy Cover Passengers?

Does My Motorcycle Policy Cover Passengers?

Here the short answer:

  • Your policy can cover a passenger’s medical bills in case of an accident.
  • This coverage is optional — make sure you have it before accepting a passenger.
  • Your passenger must be wearing a helmet to be covered.
  • You can also get coverage for a passenger in a side car.


Question I have a touring motorcycle with a rear passenger seat. If I have someone riding with me, is that person covered by my policy?


Farmers Insurance® agent David Stansfield of Fort Collins, Colorado, discusses how guest riders can be covered by your policy.

Answer I’m glad you asked this because many riders wonder the same thing. Yes, your policy can cover a passenger’s medical bills, but this coverage doesn’t come standard. Look for it on your policy before taking anyone for a ride. If you don’t see it, call your agent and have it added to your policy. Note that your passenger must be wearing a helmet to be covered.

A passenger in a side car can also be covered, so long as the side car is listed on your policy as an attachment.

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