Are passengers on my motorcycle covered by my insurance?

Ohio’s financial responsibility laws require every motorist in the state – including

motorcyclists – to carry insurance or proof of financial responsibility. As such, all riders must purchase motorcycle insurance.

Ohio bikers insurance requirements are as such.

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage

This can cover damages for you, and another person on your motorcycle if you were at fault for the accident.

Understanding Motorcycle Insurance and Passenger Protection

Ohio is an at-fault car insurance state. This means that a motorcyclist is responsible, or liable for, the damages that they cause. As such, if you carry motorcycle insurance and you cause an accident, then your liability insurance is responsible for paying for damages for any other persons injured by the crash, including your passengers.

Assuming that you’re in a motorcycle accident that was not your fault, then the other driver’s liability insurance is responsible for paying damages for any injured parties, both you and your passenger included.

How can I ensure that my passengers are covered under my insurance?

In the event that you cause an accident and don’t carry enough liability insurance to pay entirely for injuries, or if the other at-fault driver doesn’t take enough – or  any – insurance, then your injured passenger may not be covered in full.

As such, it’s a good idea to meet with an insurance agent to discuss other types of insurance coverage types that can be purchased. For example, medical payment coverage can pay for medical and funeral expenses for both you and your passenger, regardless of who was at fault in an accident.

Uninsured/Underinsured motorist coverage can also help to pay for medical bills for either you or your passenger, and is utilized if the at-fault driver doesn’t have enough insurance or any insurance at all.

The Importance of Being Covered

Read more about the different types of optional insurance coverage that you should consider investing in today. The more coverage you have, the more likely it is that you won’t have to pay for expenses out-of-pocket if you’re in a serious crash.

Sometimes, an insurance company doesn’t offer its policyholders the amount that they deserve after an accident. For help in negotiating with an insurance company—and taking the claim to court if necessary—assistance from a professional in the law is a must.

At Bressman Law, our attorneys will work you and your insurance company to get you the amount of money you need following an accident. To learn more, contact Bressman Law lawyers at 877-538-1116.