Motorcycle Insurance and Common Winter Hazards

By Yolanda Ponce · More articles

Motorcycle · Storage and winter

Your car policy does not cover the motorcycle you own

Personal auto does not cover a motorcycle you own. Winter does not change that. A cold tire, a bridge that ices first, and a car that does not see you are riding hazards. The insurance question is separate: liability if you still ride, and comprehensive if the bike sits and someone steals it or vandalizes it. Dropping comprehensive because the bike is in the garage leaves theft unpaid. Liability-only is not “stored.”

Parking it does not suspend the policy. Some motorcycle forms offer a lay-up or storage option that limits how you can use the bike. That option exists only if the form lists it. Canceling the policy, or stripping comprehensive, is a different decision. Comprehensive pays theft, vandalism, and many non-crash losses, after its deductible. Collision pays a crash, after its deductible. Neither one is included because you bought liability.

If you ride in a cold snap, the liability limit is what pays other people. The car policy in the driveway does not become the bike’s policy for that trip. A credit-based insurance score can change the price of the motorcycle policy. It does not add comprehensive you removed.

The product: motorcycle insurance. What people pay, without a fake average from this page: motorcycle insurance in Texas.

If the bike will sit, ask whether comprehensive stays on. If you will ride it, the car policy is not the answer. Start a quote or ask an agent.

Sources and further reading

  1. TDI — Automobile insurance in Texas
  2. Freedom — Motorcycle insurance
  3. Freedom — Motorcycle insurance in Texas

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