Definitions

Part A Liability Coverage

Supplementary Payments

Exclusions

Part B: Medical Payments Coverage

Part C: Uninsured Motorists Coverage

Part D: Damages to Your Motorcycle

Part E: Duties Following Loss or Accident

Part F: General Provisions

Conclusion

Definitions

Words and terms that have a contractually defined meaning that applies throughout the motorcycle policy are collected in one section captioned "definitions". Of the 13 definitions provided by the motorcycle policy, most reflect the same meaning that they do in the similar Personal Auto Policy (PAP). For reference to the Personal Auto Policy Definitions analysis, please refer to the following article, Personal Auto Definitions. Some of the terms that are not defined in the PAP include "motorcycle" "motorcycle cargo trailer" "motorcycle transport trailer", with some added provisions that apply to "newly acquired motorcycles." Those terms are listed after the specific policy language and described in detail in the analysis below. The terms that are discussed in the Personal Auto Policy Definitions analysis that mirror those in the Motorcycle policy include "we", "us" and "our", "bodily injury" "business" "family member" "occupying" "newly acquired motorcycle" and "property damage".

A.Throughout this Policy, "you" and "your" refer to:

1.The "named insured" shown in the Declarations; and

2.The spouse, if a resident of the same household.

If the spouse ceases to be a resident of the same household during the policy period or prior to the inception of this Policy, the spouse will be considered "you" and "your" under this Policy but only until the earlier of:

a.The end of 90 days following the spouse's change of residency;

b.The effective date of another policy listing the spouse as a named insured; or

c.The end of the policy period.

B."We", "us" and "our" refer to the Company providing this insurance.

C.For purposes of this Policy, a "motorcycle" shall be deemed to be owned by a person if leased:

1.Under a written agreement to that person; and

2.For a continuous period of at least six months.

Other words and phrases are defined. They are in quotation marks when used.

D."Bodily injury" means bodily harm, sickness or disease, including death that results.

E."Business" includes trade, profession or occupation.

F."Family member" means a person related to you by blood, marriage or adoption who is a resident of your household. This includes a ward or foster child.

G."Motorcycle" means a motorized vehicle:

1.Having a saddle or seat for the use of the rider;

2.Designed to travel on not more than three wheels in contact with the ground; and

3.Designed and equipped to operate on public roads.

Sidecars that are original equipment installed by the manufacturer are considered to be part of a "motorcycle".

Analysis

This definition of Motorcycle is provided in order to determine what sort of vehicles specifically should be covered under the policy. The Personal Motorcycle Policy became necessary with the increased use of motorcycles, as the risks of driving a motorcycle are much different than those of driving a car. Specifically, the risk of bodily injury is increased for a motorcycle driver or passenger, because they are typically smaller and less sturdy than their four wheel counterparts. This definition of motorcycle is used throughout the policy to explain what is considered a motorcycle for insurance purposes under this policy. Note that the definition in this policy does not specify that a motorcycle has an unenclosed passenger compartment, which is what most people imagine when prompted to think about a motorcycle.