Direct answer
It depends on whether you have added passenger liability coverage to your policy, as standard liability often only covers the other party in an accident. You must specifically select guest passenger liability or medical payments coverage to ensure your passenger’s medical bills are covered if you are at fault.
Information verified through standard ISO motorcycle insurance policy form definitions and coverage guidelines. For additional information about how liability coverage applies to passengers, see the Insurance Information Institute‘s guide on motorcycle insurance.
What this means for you
It depends on whether you have added passenger liability coverage to your policy, as standard liability often only covers the other party in an accident. You must specifically select guest passenger liability or medical payments coverage to ensure your passenger’s medical bills are covered if you are at fault.
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