What Will Happen If A Friend Borrows My Motorcycle And Crashes It?

​Regarding any rider, understanding motorbike insurance is not a very difficult task. Both incident injury and damage to property resulting from an accident are compensated for by motorcycle insurance. 

You must fundamentally understand how your auto insurance coverage operates if another person is driving your car so you know what risks you are willing to take.

What to do?
In most circumstances, your motorbike insurance will pay for the damages if a buddy borrows and damages it. That's because a motorcycle's policy is tied to the vehicle itself, not the rider. Your motorbike provider will compensate you if you have insurance covering damages to your bike.

Although this general rule is true, a few exceptions exist. You may utilize insurance from a friend if your policy's limits are exceeded in an accident. In most cases, the damages sustained by your buddy will be covered by their insurance, not yours.

For those who don't have their driving license, what happens?
A person driving a motorbike when it collides with another vehicle may face criminal charges if they lack a valid driver's license. That's because if you don't have your driver's license, your insurance company has a justification for lessening your claim. In addition, they may be fined if the person you allow to drive your vehicle doesn’t have a legal driver's license.

The insurance provider assumes that the user or driver has insurance. Insurance companies may only pay a percentage of the losses, even if the incident was not your friend's fault. In most cases, the insurance policy will provide coverage for the unauthorized operation of a motorbike. It gives the insurance provider the option of refusing to pay a claim.

Will there be an increase in my premiums?
The likelihood of an increase in your premiums depends upon several different circumstances. Several variables control premiums. The greater the likelihood that you or your motorbike may be involved in a collision, the larger the associated risk, and the higher your rates will be.

Conclusion
Make sure that your friend is in ownership of a driver's license that is still active before allowing them to ride your motorbike. In addition, you should inquire whether they have automobile or motorbike insurance that you may use in the event of an accident.

At Kapasu Insurance Services Inc., we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We will go all out to meet your demands. To learn more about how we can help you, don't hesitate to contact our agency at (760) 995-3853 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!