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A schedule or writing annexed to a document such as a legislative bill or insurance policy.

A rider is an attachment, schedule, amendment, or other writing that is annexed (added) to a document in order to modify it. The changes may be small or large, but in either case the primary purpose of the rider is to avoid rewriting or redrafting the document entirely. The language of the rider is understood to be incorporated into the document. Riders are commonly used in contracts and records and also have complex uses in legislation and insurance. As part of the lawmaking process in both state legislatures and Congress, riders are typically added to bills at a late stage in their evolution. In the insurance industry, riders are added to insurance policies to modify both benefits and the conditions of coverage.

The use of riders in the legislative process is a time-honored tradition. Lawmakers do not add riders immediately but instead wait for the appropriate stage in the evolution of a bill. Traditionally legislative bills start out as proposals that are sent to committees for approval or dis-approval. Once a bill successfully passes out of committee, lawmakers frequently amend it with a rider. The rider may simply add a new clause to the law that is the main subject of the bill, or it may go further and add an entirely new, unrelated law.

The addition of riders reveals much about the political agendas of lawmakers. Riders make ideal opportunities to introduce controversial or unpopular fiscal changes. Often these are attached to appropriations bills, which must be passed annually to fund the operation of state and federal government. Some lawmakers have traditionally seen such bills as the place to add extra appropriations for projects they and their constituents favor—a kind of funding known pejoratively as pork. Conversely, legislators may add riders that cut spending in areas that would attract public protest if the changes were the single subject of a bill and thus more noticeable.

Lawmakers' attempts to add new laws to bills through riders are sometimes controversial. Since a rider need not be related to the subject matter of the bill, legislators sometimes seize the opportunity to further their political agendas. A rider may be attached to a bill in an attempt to sneak through a measure that would not attract majority support if proposed by itself. Sometimes, too, a bill's opponents may attempt to defeat it by adding a controversial rider.

In insurance, riders change the contract, or policy, between the purchaser and the insurance company. Also known as endorsements, they can either expand or restrict the benefits provided by the policy. Thus, for example, personal automobile insurance policies generally cover only typical use of the vehicle. A rider specifies that commercial use of the car will make the policy null and void. This form of insurance rider is called an exclusion.

Riders in Health Insurance policies have other effects. They increase the cost of the policy or even exclude coverage altogether when the purchaser has certain preexisting health conditions. For example, someone suffering from high blood pressure may pay higher costs for insurance. In certain cases the insurer may choose to issue a policy with the stipulation that it will cover certain health-related costs but not those costs associated with the preexisting condition.


n. 1) an attachment to a document which adds to or amends it. Typical is an added provision to an insurance policy, such as additional coverage or temporary insurance to cover a public event. 2) in legislatures, a rider is an amendment tacked on to a bill which has little or no relevance to the main purpose of the legislation, but is a way to get the amendment passed if the basic bill has support. 3) passenger.


noun accompaniment, addendum, additament, addition, additional clause, adjunct, affix, amendment, appendage, appendant, appendix, appurtenance, augmentation, complement, continuation, extension, insertion, postscript, subjunction, subscript, supplement
Associated concepts: codicil, rider to a contract
See also: addendum, allonge, amendment, appendix, legislation, supplement


an additional clause, amendment, or stipulation added to a legal or other document. In particular, a statement made by a jury in addition to its verdict, such as a recommendation for mercy.

RIDER, practice, legislation. A schedule or small piece of paper or parchment added to some part of the record; as, when, on the reading of a bill in the legislature, a new clause is added, this is tacked to the bill on a separate piece of paper, and is called a rider.

References in periodicals archive ?
076 m riders last year, which is almost the same number of riders recorded in 2016.
Green Line jumped from 29,604,644 riders in the first half of 2014 to 32,468,408 riders in the first half of this year.
And at the end of the camp, six riders will be selected for the Rider Development Squad - one rider from each discipline, plus a further three from any discipline.
The experience for the bus riders is not the reduced overcrowding that the MTA promised to provide nine and a half years ago,'' said Richard Larson, an NAACP Legal Defense and Educational Fund attorney who representing the riders.
However, new riders are coming to market and others that were only offered in the niche markets are quickly gaining in popularity in the mainstream marketplace.
With codirector Haven Herrin and 31 other young, queer, and mostly Christian activists, the riders have been traveling to 18 Christian universities and military academies that bar openly gay students--plus Texas A&M University, home to the largest Reserve Officers' Training Corps program at any state school.
Lori and her husband John Martin are members of the Eastside Harley Owners Group and wondered if having some of their fellow riders come to Marianwood might be a good idea.
Before the Port Authority restored PATH service to the World Trade Center site on November 23, 2003, the bistate agency expected the temporary station to initially average 18,000 weekday riders; to range between 20,000 and 30,000 weekday riders within the first year; and to average 24,000 weekday commuters after a year of service.
We have riders who are just learning to steer up through riders who are on the competitive show circuit," says camp Co-director Sarah Seaward.
The riders spent two to three minutes exchanging mounts and mochillas; change times were recorded on time cards kept in one of the mochilla pockets.
Los Angeles' Bus Riders Union Fights for Equal Treatment