The short answer
Bodily injury liability covers others you injure, but many US motorcycle policies exclude passengers unless you add 'guest passenger liability.' Uninsured/underinsured motorist covers you and passengers if the at-fault driver is uninsured. MedPay pays passenger medical bills regardless of fault.
Frequently asked
- What if my passenger is my spouse?
- Household members are excluded from liability on many US motorcycle policies — MedPay or health insurance is the fallback.
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