How Does Motorcycle Insurance Work?

If you have a motorcycle, it’s essential that you have a good motorcycle policy on it. If your motorcycle is not yet insured, give us a call right away at Modern Risk Management in Houston, TX to find out more. 

Is Motorcycle Insurance Like Car Insurance?

Motorcycle insurance has many similarities to car insurance, but it also has many differences. One difference is the passengers in a car. A motorcyclist will have passengers far fewer times than a car. Car insurance policies often have protection for passengers, while a motorcycle policy may not. Often, there is a different coverage type that can be purchased for passengers of motorcycles.

Another difference in these policy types is the risk of injuries. Statistically, it is far more likely for you to be injured on a motorcycle than in a car. It is actually 28 times more likely to have a fatality on a motorcycle than in a car when a mile-to-mile comparison is made. For this reason, the injury portion of a motorcycle policy is generally more expensive than it is with a car. 

Damage to the Bike

Damage to a motorcycle is common, so it’s smart to have a motorcycle policy that includes damage to the bike. With this coverage type, you can get your bike repaired or replaced if it is damaged or destroyed by a number of different circumstances. 


If you were to cause an accident or strike a person or object, you would likely be held liable for the damage and injuries. The liability portion of your motorcycle policy would cover these bills up to the policy’s stated maximum. 

Get Motorcycle Insurance Coverage

If you ride a motorcycle, you have to have an insurance policy to cover it. Contact us at Modern Risk Management in Houston, TX to talk to an agent.