For riders in New Hampshire, motorcycles represent freedom, whether it’s a quiet solo ride along the lakes or a group cruise down the highway with fellow enthusiasts. Often, riders bring along a loved one, such as a long-time spouse, a special friend, or a buddy eager to experience life on the road. A common question arises: does motorcycle insurance through The Washwick Agency, serving Bethlehem, NH, protect against lawsuits if a passenger is injured in an accident?
Liability Coverage for Passengers
Most motorcycle insurance policies include bodily injury liability coverage, which applies to anyone injured in an accident, including passengers and the motorcycle’s operator. If your passenger files a lawsuit after being hurt, this coverage typically helps pay for medical expenses, legal defense costs, and settlements, up to the policy limits. Without this protection, you could face significant out-of-pocket expenses.
Medical Payments Coverage
Many policies also offer medical payments coverage, which helps pay for your passenger’s medical bills regardless of who is at fault. While this coverage doesn’t replace liability protection, it can ease immediate financial burdens and help maintain goodwill between the rider and passenger after an accident.
Riding Solo Versus Riding in Groups
Accidents can happen in any setting, whether in heavy traffic or during group rides. Even in group rides, a sudden stop or unexpected hazard can trigger a chain reaction, leaving riders and passengers vulnerable to injury. The type of motorcycle you ride, whether it’s a Harley, sport bike, or cruiser, doesn’t change the importance of having adequate coverage when someone else is riding with you.
With the right motorcycle insurance through The Washwick Agency, serving Bethlehem, NH, you can ride confidently, knowing you’ve taken steps to protect yourself and your passengers. Contact your insurance representative today to learn more about securing comprehensive motorcycle coverage.
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