Can I Use My Car Insurance To Cover Me While I Am Riding My Motorcycle?
The safe answer is no. If I have a severe accident or a client more correctly is severely injured then yes, I’m looking into his car insurance and seeing what I can make apply to cover him while he was on his motorcycle. Typically, auto insurance has an exclusion while you are riding your motorcycle. As a result, even though you might have no-fault, uninsured or underinsured coverage through your automobile policy there is no guarantee that it will cover you while you’re riding your motorcycle. That is why I always tell motorcyclists to make sure they put uninsured and underinsured coverage on their motorcycle policy in addition to automobile policy. Perhaps, God forbid, if you’re badly injured we might be able to get both motorcycle and automobile insurance to apply to cover both injuries, but we don’t want to take that chance. We have to assume that the automobile policy will not apply while you are driving the motorcycle.