Does Motorcycle Insurance Cover You When You Drive a Car and Vice Versa?

Before you drive your vehicle in Littleton, CO, or attempt to rent a car or motorcycle, ensure you have the appropriate auto or motorcycle insurance policy. In this blog, Front Range Insurance Services will clarify a common misunderstanding about motor vehicle insurance.

Auto and Motorcycle Coverage Are Not Interchangeable

Auto insurance only covers driving automobiles, and you can use your auto policy when renting a car. Your motorcycle policy only covers your motorbike, and you can use it to rent a motorbike. However, they aren’t interchangeable. You can’t use a motorcycle policy to rent a car or an auto policy to rent a motorbike.

Although both auto and bike coverage contain liability coverage, you can’t use them on other types of vehicles. Part of this stems from the fact that different kinds of vehicles require different types of driver’s licenses, and riding a motorbike involves increased risk. The other part comes from auto insurance, specifically naming a vehicle. You must obtain auto insurance for each automobile you own, and they’re not interchangeable either, although you can use your auto policy to rent a vehicle.

An Example of How This Works

If you purchase an auto policy for your 2024 Dodge Challenger, you can’t buy a Chevy Corvette two weeks later and use the policy you purchased for the Challenger to cover it except to drive it home from the lot. You can contact your insurance agent to add coverage and create an auto policy package. Similarly, the coverage on your Harley-Davidson motorcycle does not cover you driving the Challenger or Corvette. That requires a separate policy specific to automobiles. In some states, insurance companies offer endorsements for the auto policy, and a policyholder can add an endorsement that covers the motorcycle.

Update Your Auto and Motorcycle Insurance Today

Contact Littleton, CO’s Front Range Insurance Services today for an insurance review of your auto and motorcycle coverage. Let us help you create an insurance package covering your motor vehicles.