Liability Coverage

You have several options when you buy motorcycle insurance, one of which is liability coverage. There are two types of liability coverage: coverage for bodily injury and property damage that you may cause to third parties in case of accident. Unlike most types of insurance, liability insurance does not protect you or your motorcycle, but it is required by law.

How Motorcycle Liability Coverage Works

Bodily injury and property damage liability covers your legal responsibility for an accident that involves injury to someone else or damage to a third party's property up to the limit you select.

If you choose a limit of 15/30/10 (often the lowest required by law), this means:

  • A limit of $15,000 is paid per person for bodily injury
  • A limit of $30,000 is paid per accident for bodily injury
  • A limit of $10,000 is paid per accident for property damage
Motorcycle Liability Coverage

As an example, assume you are found at fault for an accident that injures 2 people and causes damage to another vehicle. The driver's medical bills total $5,000 while the passenger's medical expenses are $3,000. The damage to the other vehicle is $8,000.

In this case, all damages and injuries are covered because they fall within the limits you chose. If you are found at fault for an accident and property damage or medical expenses exceed the limits you choose, you will be responsible for the rest.

Bodily Injury Liability Insurance

In most states, bodily injury liability coverage is required by law. This form of motorcycle insurance covers medical expenses caused to other people while you are riding your bike, along with injuries sustained by passengers. It will not pay your medical expenses, however.

Bodily injury coverage pays for many types of accident-related medical expenses, such as:

  • Visits to the doctor
  • Hospital stays
  • Physical therapy
  • Prescriptions
  • Home health care
  • Lost wages
  • Funeral costs

To determine how much motorcycle bodily injury coverage you need, start by determining your state's minimum requirements. Keep in mind most states require a very small amount of coverage that rarely offers adequate protection in the case of a severe accident.

Motorcycle Property Damage Liability
Motorcycle Bodily Injury Liability

Property Damage Liability Insurance

Motorcycle property damage liability coverage protects you by covering the cost to replace or repair a third party's property that is damaged while you are riding.

Property liability insurance covers not only cars and motorcycles but also:

  • Houses
  • Pets
  • Garages
  • Mail boxes
  • Fences