Motorcycle owners often focus on protection while riding, but risks don’t stop once the bike is parked. Transporting a motorcycle, whether on a trailer, in the back of a truck, or through a shipping company, introduces its own set of hazards. Many riders in Texas ask a simple question: Will insurance cover damage that happens in transit? Here’s what your insurance representative at Rock Hard Insurance Agency, serving Fontana, CA, wants you to know.
Understanding Standard Coverage
Most motorcycle insurance policies cover accidents, theft, or vandalism when the bike is being ridden. However, standard coverage may not automatically extend to situations where the bike is strapped down and hauled. If a tie-down fails or another vehicle collides with your trailer, the outcome may not fall neatly into your basic policy’s protections.
When Transport Coverage Applies
Comprehensive and collision coverage can provide protection during transport, but the specifics depend on the policy. Comprehensive coverage often applies to non-collision events such as theft or fire, while collision coverage can apply if the bike is damaged in a crash during hauling. Riders who regularly transport their motorcycles should confirm that their coverage follows the bike, not just the rider.
Special Considerations
If a third-party transport company is used, their insurance may come into play. However, limits and exclusions often apply. Reading the fine print and knowing whether your own policy fills the gaps can help prevent unpleasant surprises if damage occurs. For high-value or custom bikes, additional coverage might be worth considering.
A motorcycle is an investment and a passion. Ensuring your motorcycle insurance through Rock Hard Insurance Agency, serving Fontana, CA, covers the bike in transit means fewer worries when heading to rallies, track days, or cross-country moves. Protection shouldn’t end just because the kickstand goes up.
