Does Motorcycle Insurance Cover Hit-and-Run Accidents?

You’re riding home when another vehicle clips your bike and speeds away. No plates, no witnesses, no way to file a claim against the driver who caused the damage. What happens next depends entirely on what coverages you carry, and many riders are surprised to find their basic motorcycle policy may not be enough.

What Type of Motorcycle Coverage May Cover a Hit-and-Run?

The coverage that typically applies in a hit-and-run situation is uninsured motorist coverage, often called UM coverage.

A driver who leaves the scene is treated similarly to an uninsured driver under most policies. If you carry uninsured motorist coverage on your motorcycle policy, it may help pay for:

• Medical expenses resulting from the accident
• Lost wages if injuries keep you from working
• Pain and suffering, depending on your policy terms

Coverage availability, requirements, and limits vary by state and policy, so review your declarations page carefully and consult your agent.

Other Coverages That May Help

If your motorcycle sustains physical damage in a hit-and-run, uninsured motorist property damage (UMPD) coverage or collision coverage may apply. In Texas, UMPD claims for hit-and-run accidents typically require “actual physical contact” between the other vehicle and your bike to qualify.

Collision coverage can pay for repairs to your bike regardless of fault, which makes it useful when the at-fault party cannot be identified. Medical payments coverage or personal injury protection may also help cover treatment costs, depending on what your policy includes.

Learn More

Hit-and-run accidents happen, and having the right coverages before one occurs can make a significant difference in your recovery. Contact Texas Insurance today to talk through your motorcycle coverage and make sure you’re financially protected. We’re proud to serve riders in Amarillo, TX.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.