Oregon is a haven for motorcycle enthusiasts, with miles of roads winding through beautiful forests and past stunning vistas. This is why many clients at Oliver Insurance, serving Canby, OR, own motorcycles. One of the most frequently asked questions is whether clients can add their motorcycle to their auto policy. However, it’s not that simple. Motorcycles require their own specialized insurance. For simplicity, you can bundle your motorcycle policy with your auto policy.
Why Do Motorcycles Need Separate Insurance?
Motorcycles are considered higher-risk vehicles due to their exposure to accidents and different liability considerations. Standard auto insurance policies do not cover motorcycles, so riders must purchase a separate motorcycle insurance policy. These policies typically include liability coverage, comprehensive and collision protection, and the option for add-ons like medical payments or uninsured/underinsured motorist coverage.
Bundling Auto and Motorcycle Insurance Can Help
Many insurers allow policyholders to bundle motorcycle and auto insurance, which can lead to discounts and streamlined policy management. Bundling may also make coordinating coverage limits and deductibles easier across multiple vehicles. However, bundling isn’t the same as adding a motorcycle to a car policy. It simply means both policies are purchased from the same provider at a discounted rate.
While a motorcycle cannot technically be added to a standard auto insurance policy, riders can purchase a separate motorcycle policy and potentially bundle it with their auto insurance for savings. Since motorcycles have unique risks, having the right insurance ensures proper financial protection in case of accidents, theft, or other damages. Checking with Oliver Insurance, serving Canby, OR, can help you find the best coverage options for your needs.
