Letting a friend borrow your motorcycle may seem like a simple favor, but accidents can happen. If your friend crashes your bike, you may wonder whether your insurance policy will cover the damage. The answer depends on the type of coverage you have, the circumstances of the accident, and your insurance provider’s policies.
Motorcycle insurance works similarly to auto insurance. Most policies include coverage for liability, collision, and comprehensive damages. Coverage may still apply when someone else rides your motorcycle, but there are important details to consider.
Insurance generally follows the vehicle rather than the driver. If your friend causes an accident while riding your motorcycle, your insurance policy is likely responsible for covering the damages. However, the specifics depend on the type of coverage you have.
Several factors determine whether insurance will cover the damage if a friend crashes your motorcycle.
Liability Coverage – If your friend causes an accident that results in injuries or property damage to others, your liability coverage may pay for those costs. This coverage typically does not pay for damage to your motorcycle.
Collision Coverage – If your policy includes collision coverage, it may pay for repairs or replacement of your motorcycle after an accident, regardless of who was riding it.
Comprehensive Coverage – If the accident was caused by something other than a collision, such as theft, vandalism, or weather damage, comprehensive coverage may help pay for repairs.
Excluded Riders – Some policies restrict who is allowed to operate the motorcycle. The insurance company may deny coverage if your friend is not listed as a permitted rider.
In most cases, your friend’s auto or motorcycle insurance will not be the primary source of coverage for an accident involving your motorcycle. Since insurance typically follows the vehicle, your policy is usually the first to apply. However, if the damage exceeds your policy limits, your friend’s insurance might help cover additional costs.
If your friend is at fault and does not have insurance, you may be responsible for covering the expenses out of pocket if your policy does not provide adequate coverage.
Also Read: Things You May Not Have Known About Motorcycle Insurance
If your friend wrecks your motorcycle, follow these steps to handle the situation appropriately:
Report the accident – Notify your insurance company immediately to determine what coverage applies.
Document the damage – Take photos of the accident scene and gather witness statements if available.
Check policy details – Review your insurance policy to understand what is covered and whether there are any exclusions.
Discuss responsibility – If your friend was at fault, discuss how the repair costs will be handled.
Understanding how motorcycle insurance works can help prevent financial surprises if someone else crashes your bike. Reviewing your policy, ensuring adequate coverage, and discussing insurance details before lending your motorcycle can help avoid complications.
At Scavone Insurance Agency Center LLC, we help riders find motorcycle and commercial auto insurance policies that fit their needs. Contact us today at (914) 428-7111 to explore your coverage options.
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