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. 
  • Your can also get coverage for a passenger in a side car. 


Q: 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. 

A: 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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