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Good question! I know when I was in college and high school my parents owned our cars but I always had one at school that I drove.
To make certain you can, call or e-mail your prospective insurers and ask the question. Also, if they say that you would be covered, get it in writing and make sure that you are one of the covered drivers on the policy. Usually a policy will either specify who is covered by name in the policy, or they will cover all persons living in the household so if someone borrows the vehicle they are covered under the owner's policy.
Good luck with your search and compare quotes. It may help save you some money. Don't rely on what you think is covered, get it first hand from the insurance company and get it in writing to protect yourself.
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∙ 8y ago
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Does your insurance cover theft from saddlebags on a motorcycle?
Your motorcycle insurance will not cover theft from your motorcycle. Just the same as with your automobile, the theft is covered by your home or renters insurance.
Do you have to have insurance to drive a motorcycle?
What are you asking? I do, yes. That's only because I have a motorcycle policy for my motorcycle. You are not covered from an auto policy to drive a motorcycle.
Is a stolen motorcyle covered under home owners insurance?
No. It covered under a motorcycle policy.
If you ride someones motorcycle are you covered by your own car insurance?
car insurance does not cover motorcycles
If you borrow a motorcycle and have an accident are you covered on their insurance?
Only if you are a named driver on the policy.
Married at 16 does parents insurance still cover?
Once you're married, you're legally considered an emancipated adult and would not be covered by your parents' insurance. You would be covered by your spouse's insurance.
Will auto insurance cover a test ride on a motorcycle?
I could be wrong, but I would think the motorcycle dealership would have insurance for their vehicles that would have it covered for things like test drives.
Property insurance cover stolen motorcycle?
No, your homeowners insurance would not provide coverage for the theft of your motorcycle, regardless of where you parked it. Homeowners insurance only provides coverage for certain ATVs, golf carts, riding lawn mowers but not for a motorcycle nor any vehicle designed to be operated on a public road.That's what your motorcycle insurance policy is for.AnswerThis would depend on the description in the policy for the types of perils that are covered. Broad perils or specific perils. Each carrier can have different definitions of the perils and what they will cover for those perils. In a broad peril form of insurance, a motorcycle would be covered if, and again if, the item was inside the home in storage. The motorcycle would not be covered if in use and out of storage. That is when the motorcycle insurance would need to be in place.I would recommend getting very high limits for bodily injury and property damage when it comes to motorcycle insurance. The reason for it is due to extent of potential injuries to the riders and passengers.
Are you covered under your parents health insurance if you are pregnant and a minor?
This will depend on the kind of health insurance your parents have. Some health insurance may cover pregnancy while others do not. You will need to contact your insurance agent and ask them about your family coverage.You should also have a insurance booklet that states what treatments and doctor visits are covered and what is not covered.
Can your car insurance cover your medical if you were involved in a motorcycle accident?
If your motorcycle was a scheduled vehicle on your Insurance Policy then you should be covered. If you were on someone Else's Motorcycle then their insurance policy should cover your medical. If neither coverage is available then you could look to your major medical policy or HMO for medical coverage.
Where can one purchase motorcycle insurance?
To purchase motorcycle insurance check with your local automobile insurance agents. Most companies, will have policies for you to review for exactly what you need. Also, don't forget to ask if the policy will cover you passenger. Because, unlike automobile insurance they are not always covered.
Can motorcycle insurance be covered under your parent's car insurance?
No. The "standard" auto policy will not cover a two-vehicle unit. You can get motorcycle coverage with a company. Dairyland used to be one of the primary companies for motorcycle coverage. Check with an independent insurance agent that handles personal lines coverage. Most know the companies that would be suited to write the motorcycle coverage for you.
