Mississippi law requires motorcycle operators to prove they can meet the minimum property and bodily injury liability requirements. Having an appropriate insurance policy is the most common form of proof. However, violating specific exclusions stated in your policy may invalidate your policy, so it is crucial to understand your policy exclusions. If you live in or near Byram, MS, and want to under your policy exclusions or have other insurance questions, the Riverside Insurance Agency Inc. is here to help.
Common Motorcycle Insurance Exclusions
Every motorcycle insurance policy includes language that excludes or invalidates your coverage in certain situations. That means you will not be covered for accidents that occur when you do not operate your motorcycle safely or when using unsafe equipment because they increase the likelihood of causing an accident and its severity.
Each policy is different, so you should review your individual coverage, but standard exclusions include participating in an organized race or riding:
- Recklessly or while intentionally damaging property
- With the intent of hurting yourself or others
- While committing a crime
- Under the influence of alcohol or a controlled substance
- While delivering products or transporting passengers for hire
Coverage is also invalidated when you lend your motorcycle to someone not named in your policy.
Every policy details these exclusions, so you should review them with your agent to ensure you understand each exclusion. In some cases, such as using your motorcycle to make deliveries, you can obtain a commercial vehicle policy that covers you in those situations.
Working With Riverside Insurance Agency Inc.
The Riverside Insurance Agency Inc. serves the Byram, MS, area. If you live nearby and need a motorcycle or other insurance, our friendly team is ready to help you. Please stop by or call us today at 601-371-8355.
