Car, Home, Toys, and Life Insurance Resource Center

Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

Insurance Where You Live


05
Apr 14

Can I Add a Motorcycle to My Car Insurance Policy?

In Michigan, a motorcycle insurance policy and a car insurance policy are kept separate. It comes down to a difference in medical coverage. Motorcycles are excluded in Michigan’s no fault coverage, meaning they are not eligible for unlimited medical coverage when filing a claim against their own policy. Motorcyclist have the option of purchasing medical pay and medical benefits in increments of $5000.

Motorcycle Policy Features
Add Motorcycle to Car Insurance

  • Renews Annually
  • Liability
  • Comprehensive
  • Collision
  • Roadside Assistance
  • MCCA Fee is Required

Why do I have to pay the MCCA Fee to insure a motorcycle in Michigan?

Even though motorcycles are not eligible for unlimited medical coverage under their own insurance policy, they are eligible if a car is involved. How is that possible? Well, when a motorcycle is in a collision with an automobile in Michigan, that automobile insurance policy must pay unlimited medical expenses on the motorcyclist and passengers. And it does not matter if it was the motorcyclist’s fault, the auto involved is the policy which pays.

Example 1: You are on your motorcycle. A deer jumps out from the grass and you lay your bike down going 50 mph. Along with major road rash you break your collar bone, several ribs, and fracture your hand. Several surgeries are required in order to get you back to normal. Your medical pay or medical benefits coverage from your motorcycle insurance policy will kick in to cover the costs up to your listed limit. Your primary health insurance through your employer could possibly pick up any slack.

Example 2: Your car is legally parked on the side of the road. A motorcyclist not wearing a helmet is speeding and hits an unexpected pothole. He crashes into your parked car and damages his spine. Your car insurance policy will cover the medical expenses with no cap on the coverage.

Ways To Save

Even though you cannot add a motorcycle to your car insurance policy, you can still benefit from insuring your motorcycle and car with the same insurance company. Usually the motorcycle policy will be eligible for a multi-policy discount when you also insure your car. You could also combine billing if you go through the same carrier. Combining bills often reduces billing fees, saving you both time and money.

What about other states?

Other states do not have Michigan’s complicated no-fault laws which make unlimited medical coverage mandatory for all autos on the road. Therefore in some other states adding a motorcycle to an auto policy is completely acceptable and often the cheapest route to insure your bike. When adding a motorcycle to a car insurance policy, the motorcycle takes on the same liability coverage as the autos listed. If that is not what you want, you will need to look for a separate motorcycle policy.

Quick Links

How to Get a Home Insurance Quote MI Helmet Laws Moving to Michigan and Car Insurance

19
Mar 14

Do I Need to Wear a Motorcycle Helmet in Michigan?

I find this question kind of funny. Mostly because I think everyone who rides a motorcycle needs to wear a helmet. I have heard of too many preventable injuries caused by going helmet-less. However, the question is really directed more towards Michigan’s motorcycle helmet laws.

Does Michigan law require a helmet to be worn?

In 2012 Michigan’s motorcycle helmet law changed. Helmets are no longer required in order to ride legally. Other stipulations have been put in place for those of you who choose not to wear a helmet.

Michigan Motorcycle Helmet Laws

  • You must be 21 years of age or older
  • You must have at least 2 years of riding experience or have completed a safety course
  • You must have $20,000 medical benefits listed on a motorcycle insurance policy

As mentioned earlier, the change to the law came in early 2012. It just so happens motorcycle deaths increased 18% in 2012 too. An official report has not come out linking the two, but it clearly has potential to be linked.

So, if you have control over all the other drivers on the road and are looking to be legal when riding your bike in MI the answer is no, you do not need to wear a motorcycle helmet. If you have loved ones and a strong desire to live, then the answer is yes, you need to wear a helmet.

Please leave me a comment and let me know what you think about Michigan’s Helmet Law.