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Can your uninsured auto insurance cover an accident you have on your motorcycle if that doesn't have uninsured insurance?


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Wiki User
2006-03-09 18:36:00
2006-03-09 18:36:00

Yes and no. Yes if it to cover medical expenses. You can pull on your med-pay and your uninsured motorist policy I believe. But don't expect them to cover damages to car. I would stick with med-pay as a better option though. Attorney! Attorney!! Attorney!!! That's what I have to say. Insurance company want to save money! Yours and theirs. Their job is to pay out as litte as possible! Yes you pay attorney fees but you also get thousands more!

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Paying more for your insurance doesnt gurantee any better coverage or better protection in an accident.

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Who has insurance and who has license, is a non factor in determining liability for the accident. The person who is at fault will be based upon the police report and who caused the accident. You have no insurance, and have left yourself wide open to a judgment against you that could cost you plenty. You chose to drive without insurance, and in doing so you will be require to accept responsibility for your actions. You do not even have uninsured motorist insurance to cover your damage even if the other driver is at fault and cannot pay. You were not insured, and will now pay for that mistake.

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If the other party does not have auto insurance and you do not have uninsured motorist coverage on your policy then your only recourse would be to file suit against the party who is at fault and hope to be able to recover damaged. This is the reason for having uninsured motorists insurance on your policy is because sometimes people don't have insurance as they should.

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Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.


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