Motorcycle riders in Memphis often enjoy taking their pets along for the ride, especially smaller dogs who love the breeze and open air. But what happens if you’re in an accident and your furry co-rider gets injured? It’s a question more riders are asking their insurance agent at Keltner Insurance, serving Memphis, TN, as pet travel becomes more common on two wheels.

Motorcycle Policies Don’t Always Cover Pets

Standard motorcycle insurance policies generally focus on covering you, your bike, and other people or property involved in an accident. Pets are usually not considered passengers in the same way people are. Medical coverage under your motorcycle policy usually won’t extend to animals riding with you.

What Options Are Available?

Some insurance carriers offer pet injury protection as an add-on or include it in premium coverage packages. This benefit may help cover veterinary bills if your pet is injured during a covered accident while riding with you. It’s not available with all policies, so you’ll need to ask specifically.

Is It Legal to Ride With a Pet in Tennessee?

No statewide laws in Tennessee prohibit pets from riding on motorcycles, but all passengers, including four-legged ones, must be secured safely. Riding with your pet in a backpack carrier or protective seat helps reduce injury risk and shows that you’re a responsible motorcyclist.

Before taking your furry best friend out on the road, talk to your local insurance agent at Keltner Insurance, serving Memphis, TN. They can review your current policy, explain what’s covered, and help you explore options for adding protection specifically for pet passengers. A little preparation can go a long way toward ensuring safety for both you and your four-legged rider.