So you have your car insurance like a responsible person and you decide to buy a motorcycle. (Wear a helmet.) As we know from prior posts, the auto policy would cover a newly acquired automobile, but will it cover your new bike?
Probably not. Auto insurance policies are designed to cover cars. A car and a motorcycle have two different risks associated with them. The insurance company has paid to cover the risk of the car, not the bike. And, most auto insurance companies do not even insure motorcycles!
The policy is pretty clear on this. Most auto policies will cover a “newly acquired auto.” This is defined as either a private passenger vehicle or a vehicle with no less than 4 wheels. A motorcycle is not an auto, and it has less than 4 wheels. Under either case, its not covered by your auto policy.
If you are going to go buy a motorcycle, make sure you get the insurance right away!