Direct answer
It depends on your specific policy, as passenger coverage is often an add-on or a separate line item known as guest passenger liability. You should verify if your current policy includes bodily injury coverage for passengers or if you need to purchase an endorsement.
Standard motorcycle insurance policy contract provisions and state insurance department guidelines. For additional information about state-specific coverage requirements, see the National Association of Insurance Commissioners‘ state insurance department directory.
What this means for you
It depends on your specific policy, as passenger coverage is often an add-on or a separate line item known as guest passenger liability. You should verify if your current policy includes bodily injury coverage for passengers or if you need to purchase an endorsement.
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