Riding a motorcycle in Mississippi is one of the best ways to enjoy the beautiful weather and scenery, especially when you’re covered with motorcycle insurance through Insurance Protection Specialists, serving Flowood, MS, and other parts of the state. Sharing the open road with your significant other can be an intimate and unforgettable experience. But what happens if they get injured while riding on your bike? What kind of coverage can you expect?

Understanding Passenger Coverage

Mississippi doesn’t require riders to carry medical payments or guest passenger liability coverage. However, without these coverages, an injured passenger could face large medical bills—and as a responsible motorcyclist, you’ll want to ensure that doesn’t happen. Guest passenger liability coverage can help pay for injuries if you’re found at fault for the accident. Medical payments coverage (MedPay) can cover medical costs for your passenger regardless of fault, including ambulance fees, hospital bills, and follow-up care.

When the Fault Lies Elsewhere

If another driver caused the accident, their liability insurance should cover your passenger’s injuries. However, Mississippi’s minimum auto liability limits may not be sufficient to cover serious injuries. In such cases, your own uninsured/underinsured motorist coverage can step in to help cover the remaining costs.

Protecting Yourself and Your Passenger

Review your motorcycle insurance policy to confirm whether guest passenger liability, MedPay, and uninsured/underinsured motorist coverage are included and at what limits. Increasing these limits is often affordable compared to the potential costs of a serious injury claim.

Carrying the right coverage through Insurance Protection Specialists, serving Flowood, MS, ensures that both you and your passenger are protected—whether the accident is your fault, someone else’s, or a combination of both. Contact us today to learn more about your options and secure the coverage you need.