Will a motorcycle accident affect my car insurance?

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Daniel Walker
Licensed Insurance Agent

UPDATED: Apr 3, 2020

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According to the National Highway Traffic Safety Administration, the number of motorcyclists killed in accidents in the United States decreased to 4,985 in 2018. This is nearly a 5% decrease from the previous year. Despite this drop, motorcyclists are still over represented in traffic accidents, including those that lead to fatalities.

Prejudice against bikers is a real occurrence on the road, and motorcyclists are often cited even when they are not at fault.

It makes sense as a motorcyclist to be protected with a comprehensive insurance plan that offers a variety of coverage options for yourself, your motorcycle, and anyone else who may be affected.

Let’s discuss some motorcycle insurance policies and different types of coverage, the difference between car insurance and motorbike insurance, and the best way to get the cheapest auto and motorcycle insurance. Plus, we’ll discuss whether a motorcycle accident will affect your car insurance.

man on back of red motorcycle, raining, silver car in front, black jacket, black helmet

What is the difference between car insurance and motorcycle insurance?

Car insurance and motorcycle insurance are reasonably alike until it comes down to the specifics. Claims on both sides are handled similarly in terms of liability or determination of fault. They are also pretty identical in evaluation and payment of the claim. However, the differences between car insurance and motorcycle insurance typically include passengers, the extent of the injury, and accessories.

Related: Driving Without Car Insurance (Don’t Risk It!)

Liability Coverage

Because a motorcycle can take fewer passengers than a car, motorcycle insurance usually offers guest liability insurance as a separate coverage. On the other hand, car insurance will normally include liability insurance for passengers as well. Liability coverage is necessary for any insurance policy because it protects you financially from injury or property damage.

Personal Injury Protection Coverage

The personal injury protection (PIP) coverage of motorcycle insurance is more expensive than the PIP of car insurance. This is because motorcycle riders are more prone to suffer injuries in crashes. This helps pay for you and your passenger’s expenses in the event of an accident. After this, separate coverage is normally available for accessories like your helmet, saddlebags, and the like.

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Underinsured Motorist (UIM) & Uninsured Motorist (UM) Coverage

These types of coverage offer financial aid if you are ever injured in an accident by a motorist who does not have insurance or one whose insurance is insufficient to cover your costs of the damage. This is perhaps the most important coverage and should be increased to the maximum limit of what you can afford.

yellow motorcycle, scenic highway, black pants, boots, black jacket, black helmet

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Will a motorcycle accident affect my car insurance?

While car insurance and motorcycle insurance would still be different policies, there is a possibility for a past motorcycle accident to increase premiums on your car insurance.

It is a common assumption that because you have separate insurance policies for your car and motorcycle, any vehicle-related accidents won’t reflect on your motorcycle insurance.

Whether you bundle your car insurance and motorcycle insurance with the same company or choose different carriers for each, past accidents or crashes can be discovered by insurance companies. Insurance companies can access detailed information on your accident history through the Comprehensive Loss Underwriting Exchange (CLUE) report. Every claim you make is logged in the report and lasts for several years. This can be viewed by any insurance company you ask for coverage.

Your car insurance premiums can increase after an accident. If it is your fault, or it incurs a significant cost in damages, or if there are reports of past claims with the same or other insurers, these can all increase your premiums. However, there is a possibility that an accident may not affect your rates. Incidents, where the other driver was fully at fault, your first accident, or a minor incident with a good track record, may not affect your current rates for your car insurance.

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Who has the final say?

In any accident, it will be the police who have the final say when it comes to criminal responsibility. But there is such a thing as biker prejudice, in which the motorcycle rider is automatically deemed at fault. It becomes important to have a specialized motorcycle accident attorney in this case. They will help investigate the case and rectify any inaccurate or erroneous reports made by the police.

It’s also important to make a claim immediately after an accident and make sure the insurer is aware. If it isn’t your fault, the third party portion of the other party’s insurance should be claimed off as soon as possible. Even minor incidents can have repercussions in the future where damages can actually be worse than what they first appear.

Prioritize Motorcyclist Awareness and Safety

Motorcycling still poses a higher risk than riding or driving a car. Riding requires awareness and good judgment every moment you spend on the road.

The latest data reveals that motorcyclists are 28 times as likely as passenger car occupants to die in a crash.

Before you even start riding your bike, it is imperative to have enough knowledge of the awareness and safety standards needed on the road. Of course, both automobile drivers and motorcycle riders need to understand the challenges that everyone experiences on the road. A more mutual understanding of both sides helps promote safer road sharing.

You can begin your journey to the best coverage for your car by using our free online comparison tool. Start by entering your zip code below.

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