In Chester, NJ: Will Your Motorcycle Insurance Cover an Accident If Someone Else is Riding Your Bike?

In Chester, NJ the agents of the Insurance Outfit offer a wide selection of insurance policies to cover all sizes and types of vehicles, including scooters and motorcycles. Motorcycle insurance works in much the same way as car insurance and has varying degrees of coverage. Before choosing the policy that’s right for you, it’s important that you discuss your needs with your agent so they can find the right policy for you.

Know Your Policy

Once you have purchased a policy make sure you read it carefully and understand everything it says. If you don’t, ask questions. A commonly asked question is "Does my insurance policy cover other riders?" This will depend on your policy. A general liability insurance policy will cover only the minimum and will most likely not cover your bike being driven by other riders. A full coverage policy, on the other hand, will cover additional riders if they carry the proper endorsement.

Endorsements

A motorcycle endorsement on your driver’s license means you have passed the written and skills test that shows you’re capable of operating a motorcycle on the road. Most insurance policies won’t cover a rider who hasn’t received their endorsement. If you allow someone to borrow your bike, it’s important that they have a current motorcycle endorsement on their license. If not, any damages or injuries they cause won’t be covered by your policy.

The agents at the Insurance Outfit in Chester, NJ encourage you to call their office and speak to one of their agents if you have any questions concerning motorcycle insurance. They can tell you what is covered and what limits are included in your policy. It’s important you evaluate and update your policy often to make sure it’s current.