Does Your Indiana Auto Policy Cover Your Motorcycle?

It's one of the most common assumptions riders make, and one of the most expensive to get wrong: that the auto policy already covering your car also covers your motorcycle. In Indiana, that's generally not the case.

Why a car policy doesn't just extend to your bike

Auto insurance policies are written and rated around the vehicle listed on them. A standard car policy is priced and structured for the risk profile of a car, not a motorcycle, and most insurers exclude motorcycles from a car policy entirely rather than quietly extending partial coverage. If you haven't specifically added your bike to a policy or purchased a dedicated motorcycle policy, there's a real chance you're riding with far less protection than you think, or none at all for the bike itself.

What a dedicated motorcycle policy actually adds

A real motorcycle policy is built around how bikes are actually used and insured: coverage for the bike itself, options like custom parts and equipment coverage for aftermarket work, and liability structured for a motorcycle rather than a car. See our full coverage guide for the details.

The easiest way to find out where you stand

If you're not sure whether your current setup actually covers your bike, the fastest way to find out is to ask directly rather than assume. Get a quote and we'll walk through exactly what you have and what you might be missing.