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Does motorcycle coverage include death benefits?

Protect loved ones against expenses in a fatal accident.

Updated

You can get coverage if you live in a state that allows payouts for motorcycle death benefits. But in the case of a fatal accident, beneficiaries should be prepped upfront on how to file a claim or work with the designated executor of your estate.

What does coverage for motorcycle death benefits include?

Personal injury protection (PIP) is one coverage option that includes death benefits. While some states offer PIP, many states don’t allow it because of the high risk of fatal crashes motorcycles carry. Check your state’s requirements when you’re looking at coverage.

A few motorcycle insurers have special add-ons like funeral expenses coverage instead.

If you have personal injury protection (PIP) or funeral expenses option, your coverage might offer several death benefits, including:

  • Funeral expenses. These are expenses directly related to death and burial.
  • Medical bills leading up to death. PIP pays for accident-related medical bills, including fatal crashes.
  • Beneficiary amount. Some insurers offer a set amount to your beneficiary if you die. This may take the place of paying for funeral expenses.

In addition to these death benefits, PIP coverage can include:

  • Medical expenses
  • Lost wages
  • Childcare
  • Home services like cleaning

Is motorcycle coverage with death benefits worth it?

Adding death benefits to motorcycle coverage could be worth it because of the high risk riding bikes carries. If the state you live in allows PIP, payouts to a beneficiary in the case of serious injuries or death after a crash.

Riders without life insurance or whose life policy won’t cover motorcycle deaths might also consider getting PIP. It includes additional coverage such as medical expenses that riders can use for other accidents.

Compare companies that offer motorcycle death benefits

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
Geico motorcycle insurance
Optional
Yes
All 50 states
This well-advertised insurer lives up to its reputation with discounts, low rates and no-fuss coverage for bikes.
Allstate motorcycle insurance
Included free
Yes
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.
Esurance motorcycle insurance
Included free
No
43 states
Esurance offers discounts and wide motorcycle coverage with tech-focused account management and 24/7 claims.
Farmers motorcycle insurance
Included free
No
All 50 states
Get personalized service, optional coverage packages and rewards for safe driving with Farmers motorcycle insurance.
The General motorcycle insurance
Optional
No
43 states
The General offers no-frills motorcycle insurance for drivers who have a hard time getting coverage elsewhere.
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Compare up to 4 providers

How would beneficiaries receive a motorcycle death benefit?

The way beneficiaries get a death benefit payout varies by provider, but this is generally the process:

  • Contact customer service. Reach out for guidance about the company’s specific claims process.
  • File a claim. You may file a death claim using specific forms, or begin the process over the phone.
  • Prove your connection to the deceased. Send the provider a copy of the death certificate, documentation proving you’re the estate executor and any other requested documents.
  • Provide information about the accident. You may need to send a copy of the accident’s police report and other details about the accident.
  • Receive payment. You could receive the payout by mail or direct deposit after you finalize paperwork.

What should I watch out for?

For the most part, receiving a settlement for death benefits is straightforward. However, here are some points to be aware of:

  • Denied claims if the death is not linked to motorcycle riding.
  • Denied claims if the accident is linked to suicide.
  • State of policy limits of the death benefits.
  • Income benefits can be denied if the rider was unemployed.
  • Income benefits may not include future wages.
  • If the proof for a loss of income claim is insufficient, it can be denied or delayed.

Can I get life insurance if I ride a motorcycle?

Believe it or not, if you ride a motorcycle you can still get life insurance coverage. In fact, you can still qualify for preferred rates.

However, if you race motorcycles, it’s likely you’ll face high premiums and be asked to complete a medical exam before being approved.

Since accidents involving a motorcycle usually result in a higher likelihood of death or injury, consider adding an accidental death benefit to your life insurance policy.

Bottom line

Because motorcycle riders are at high risk for fatal accidents, adding a death benefit to your insurance can leave your loved ones enough money to cover medical and death costs in the case of an accident. If you live in a state that allows motorcycle death benefits, review the best insurer options available.

Common questions about motorcycle death benefits

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