This is an important question to consider if you are the owner of a motorcycle. Motorcycle policies vary based on the insurance companies and by the coverage that you select. Does your motorcycle policy have strict liability only coverage or does your policy include guest passenger liability coverage? If you are at fault in an accident and have a passenger, you may be responsible for their medical expenses, lost wages, etc… It is always important to discuss your coverage with your agent before assuming you are covered.
What if you let someone else operates your motorcycle? Some insurance policies limit the insured operators to individuals listed on the policy. Please verify with your insurance agent before you allow someone to borrow your motorcycle as you could be liable for any damage or injuries caused to the operator and other parties involved.