Question

Will a comprehensive claim on my motorcycle affect my car insurance rates?

I dropped my newer motorcycle outside my home. This did happen while riding the motorcycle and although the damage was only cosmetic, it will still cost a lot of money to fix. Will a motorcycle claim affect my car insurance rates? Will it be better off to sell it as-is or risk repairing it with used body parts?

Jan 23, 2020 Fort Leonard Wood, MO

Answer
Kristine Lee

Jan 23, 2020

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates. Having more than one claim is a different story, but if it is your first, I'd talk it over with your company and file a claim in most cases.

If you have any questions, don't hesitate to ask.


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