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22246 S Ellsworth Rd
Queen Creek, AZ 85142

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What are Some Perils Motorcycle Insurance Typically Doesn’t Cover?

Liability motorcycle insurance is a requirement for Queen Creek, AZ riders, and it’s important to understand that not every circumstance will be a covered peril. The Insurance Team is happy to assist with this vital coverage.

Below are some of the more common scenarios that tend to fall outside most standard policies:

Engaging in risky behavior, such as racing and its resulting injuries, will often result in a rejection of your claims, and the same is true when you are doing stunts or participating in demolition derbies. 

Operating your vehicle under the influence of controlled substances and all narcotics may void your coverage, and alcohol may do so as well, as it is illegal to ride when over a certain limit of intoxication. The Insurance Team would be happy to go over the details of what is and isn’t included in your plan. 

If you are someone who uses your motorcycle to deliver goods for a service charge, this may fall outside the scope of your indemnification. In addition, this can also affect you when involved in an accident while driving passengers for a fee. 

Any wreck, property damage, and medical costs that are incurred while you are involved in illegal activities may be your own financial responsibility, but this usually does not extend to simple violations of traffic laws. 

If you ride your bike in a reckless manner intending to self-harm or wound others, this type of behavior is often in violation of the terms of your insurance contract and will likely not be covered. 

The Insurance Team Works for You

We serve the insurance needs of those living in Queen Creek, AZ, and we can be reached by phone, email, or by stopping at our office. We invite you to make an appointment to speak to us about your specific situation today. 

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