In general auto insurance normally follows a vehicle first and driver second. This means that your friend's insurance on the vehicle would be primary. Your insurance usually won't cover this incident for Property Damage Liability, but it may cover you as secondary or excess if injuries to the other party went above your friend's limits (depending on the state).

If the damage was minor to the motorcycle and rider then your friend's car insurance liability limits would likely be enough to cover the damages done to the bike.

For information on insurance terms or articles on how to place insurance claims, visit our Learning Center.If you or anyone you know needs motorcycle insurance you can follow this link or call our Safeco partners at 1-800-936-0356.