Does a motorcycle accident affect my driving record or car insurance rates?

August 17, 2017 · Posted in FAQ 
car insurance
Brian H asked:

Haven’t had a car accident in over 10 years, but I did have a spill on my bike ruled my fault recently. Will this affect my car insurance at all? It hasn’t yet, but I’m about to switch insurance companies and get a new car. I also no longer have a motorcycle.
Oh, I should add that this happened longer ago than I thought. Back in January. My car insurance has NOT gone up. I’m just worried that shopping for NEW insurance they’ll see it and it will affect things.

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7 Responses to “Does a motorcycle accident affect my driving record or car insurance rates?”

  1. Boo B on October 15th, 2009 12:30 pm

    It will if it is on your driving record or if you reported it to your insurance company. I have had the same insurance company for the last 18 years and just had a very small claim ~1500 and my rates went up $600 a year.

    Hope it works out for you

  2. doc_holliday1863 on October 15th, 2009 1:12 pm

    it sure will affect your driveing record because you did have a wreck with a motor vehicle.

  3. Eagles Fly on October 17th, 2009 1:51 pm

    Most likely it will. There’s always the possibility that it won’t.

    Hope you didn’t get too hurt. Be careful out there.

  4. ANDY on October 18th, 2009 11:18 pm


    Yes it does, when you applied for the motor Car insurance it would have asked if you had been involved or claimed in the last 5 years? ?I t did not specify with motor cars. If you had Car and Bike insurance running at the same time then you should have notified both insurance companies, You say you were found to be ar fault? If this mans the other person claimed on your insurance but You did not then you still should have notified both insurance companies.

    Failure to notify them will null and void your insurance if they find out.

    Andy C

  5. Latrell U on October 19th, 2009 2:32 pm

    There are tons of sites where you can get a free insurance quote. It only takes less than 10 minutes to do.

  6. focus on October 19th, 2009 3:25 pm

    It will only affect your insurance if you have the motorcycle and car on the same insurance. If you have separate insurances for you car and for your motorcycle then a claim on one should not affect the other.

  7. Fred C on October 21st, 2009 5:30 pm

    It is most definitely on your driving record, and it doesn’t matter if you don’t have the motorcycle any longer. Your present company may or may not increase your rates at renewal, depending on past record. You have to disclose the accident on an application with a new company, and it is more likely for a new company to surcharge for the accident.

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