Each U.S. state sets its state motorcycle insurance laws. All 50 states require some form of motorcycle insurance except for Florida, Montana, and New Hampshire. This can be especially frustrating when crossing state lines during a road trip or when visiting a neighboring state.
State by State Motorcycle Insurance Laws
Based on Motorcycle Accident Statistics, selecting the right motorcycle insurance plan can be a real challenge. This is especially true if you plan to ride in several states on a regular basis.
Each state has its own regulations regarding the amount of coverage and liability required by law.
Motorcycle Insurance Now Required in Washington State
State motorcycle insurance laws changed in Washington as of July 28th, 2019. Washington now requires liability insurance for motorcyclists. Prior to this change, motorcyclists were exempt from the state’s mandatory auto insurance law. Like other motorists, motorcycle riders must also be able to provide proof of insurance.
Washington’s minimum liability limits for motorcycle insurance are the same as the limits for automobiles.
- $25,000 for injuries or death to another person.
- $50,000 for injuries or death to all other people.
- $10,000 for damage to another person’s property.
For information regarding state motorcycle insurance laws outside of Washington, the Unofficial DMV Guide website provides a helpful state-by-state motorcycle insurance guide.
Insurance Agents or Motorcycle Accident Attorneys: Who Do You Call?
In addition to complying with state motorcycle insurance laws, motorcyclists should consider their preferred level of coverage. How much coverage is affordable? Should they choose liability, comprehensive, or collision insurance? How much coverage should their uninsured/underinsured clause protection provide? Everyone has different answers to these questions. Calling a trustworthy, experienced, and knowledgeable insurance agent helps make the right choices.
When you need help understanding state motorcycle insurance laws after an accident, contact a motorcycle accident lawyer. If you need motorcycle accident claim assistance in Washington state, contact Bernard Law Group. We have law offices in the following locations.
Call 24/7 for a FREE Consultation: 1-800-418-8282
Understanding Motorcycle Insurance Policies
In order to understand motorcycle insurance policies, people need to know common insurance terms. According to standards set by the National Highway Traffic Safety Administration, a motorcycle rider is defined as the operator only. A passenger is any person sitting on, but not in control, of the motorcycle. Motorcyclists refers to the motorcycle rider (operator) as well as the passenger. Understanding these and other insurance-related terms helps you sort through specific coverage options offered by each policy.
When deciding what type and amount of motorcycle insurance coverage you need, this Insurance Information Institute guide can help you sort through the confusion. It suggests asking about insurance coverage for motorcycle accessories and reduced rates for purchasing “safer” models. In addition, the guide covers lay-up policies for Northern riders and discounts for multi-bike owners.
According to the Insurance Information Institute, super sports motorcycles have the overall highest insurance losses under collision coverage among all classes of motorcycle models, almost four times higher than touring models and more than six times higher than cruiser models. To help save money, ask about decreasing insurance coverage during winter months. Special discounts for bundling motorcycle insurance with automobile, life, or homeowner’s insurance are common. Selecting only the level of coverage required also reduces costs.