does car insurance transfer to motorcycle insurance?? i got in a accident with a motorcycle and my insurance is way up that i cant afford it. if i buy a car would my insurance be up like my motorcycle since i got a accident in it? or is it two seperate insurance’s
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February 16th, 2010 at 4:00 pm
Answer from a General Insurance Agent
No, Auto Insurance will not transfer to a Motorcycle nor vice- versa.
Auto and Motorcycle Insurance are two different animals. It’s like comparing apples and oranges.
Some Auto Insurance policies will allow you to add an endorsement (often called a rider) to your auto policy to cover a motorcycle.
Some Auto Insurers simply do not offer Motorcycle coverage at all due to the high risk nature of the vehicle.
You will however be assessed points against your premium rate as a result of any previous accidents regardless of the vehicle you were operating at the time of the accident.
Auto Insurance is almost always cheaper than Motorcycle Insurance, again simply due to the natural High Risks involved with riding a motorcycle.
Good Luck and Happy Motoring
February 16th, 2010 at 4:00 pm
This answer may vary by state. But they are 2 separate policies most of the time. That can very by company too. You car insurance does not carry over to the motorcycle because you need separate insurance policy on the motorcycle. Some companies, like State Farm will only charge for the accident one time on one policy and not the other. But you need to ask your insurance agent or your insurance company.
February 16th, 2010 at 4:00 pm
No motorcycle insurance will not cover a car you buy to replace it with.
Your motorcycle accident will affect your car insurance rates.