The auto policy does not cover the motorcycle
They are separate policies with separate limits. A rider who assumes the household auto cover extends to the bike is uninsured on it, and a liability claim arising from a motorcycle is not a small one.
Auto ยท Lake Havasu City, AZ
Auto insuranceand the bike that is not a car.
Motorcycles are common here and they are not covered by an auto policy. They need their own, and the differences between the two are larger than most riders expect.
A motorcycle needs its own policy. Your auto liability does not extend to it.
Common Issues We Solve
What a Lake Havasu rider needs a policy to get right
Three things that differ between a bike and a car.
Passenger cover is a specific question
Guest passenger liability is included on some motorcycle policies and excluded or optional on others. Carrying a passenger without it is the kind of gap that produces a very large uninsured claim, because an injured passenger is usually someone close to you.
Gear and accessories are not automatic
Helmets, leathers and aftermarket parts are covered only up to a stated amount and frequently need listing. A bike with meaningful custom work insured at factory value is insured at the wrong number.
What Is Covered
What we check for a Lake Havasu rider
The bike as its own policy.
Whether passengers ride
Guest passenger liability is not universal and it matters enormously.
What has been added to the bike
Accessories need their own listed limit.
Whether UM and UIM are on it
A rider hit by an underinsured driver has very little between them and the bill.
Get a Quote
Get a Lake Havasu City auto quote
Tell us what you ride, what has been added to it and whether anyone rides with you.
- Call the office(928) 499-6644
- Visit us1781 AZ-69 Ste #3, Prescott, AZ 86301
- Office hoursMonday to Friday, 9:00 AM to 5:00 PM
Request a Lake Havasu City quote
We write the bike properly rather than assuming the car policy reaches it.
Request a quote
FAQ
Auto questions from Lake Havasu City
Does my auto policy cover my motorcycle?
No. Motorcycles need their own policy with their own limits. It is one of the most common and most serious misunderstandings we correct, because a liability claim arising from a bike is rarely modest.
Is my passenger covered?
Only if the policy includes guest passenger liability, which is optional or excluded on some forms. Carrying someone without it is a significant uninsured exposure and the injured person is usually a friend or family member.
What about my helmet and gear?
Covered up to a stated accessories limit, and custom work generally needs listing specifically. A bike with substantial additions insured at standard value will settle at standard value.
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