Ford F250 truck hit a tree head-on at 70mph; Yamaha VStar 650 strapped in bed of truck. Is the motorcycle considered cargo?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 4, 2012

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Insurance Question from Kingstown, NC

Asked on 06/04/2012

Ford F250 truck hit a tree head-on at 70mph; Yamaha VStar 650 strapped in bed of truck. Is the motorcycle considered cargo? NULL

Answer given on June 07, 2012

If you had a motorcycle in the back of a pickup truck, and the truck was being used for personal use, and not being transported for a fee or on a commemrcial basis, then the insurance on the motorcycle would apply, presuming you own both the pick-up truck and the motorcycle. The damage to the motorcycle would be covered under the collision coverage and subject to the deductible for collision coverage on the motorcycle.If you do not own the motorcycle and you were transporting it for no fee for a friend or family member, it is possible that your insurance would pay for the damages under your insurance policy using the property damage coverage. This would be based on negligence on your part for the accident and thus the damage to the motorcycle.Report the claim to your insurance company and they will determine how the policy will determine the cause of damage to the bike and will adjust the claim accordingly.

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