What Are the Requirements for Motorcycle Insurance in Washington?
In 2019, the state legislature passed new laws regarding insurance requirements for motorcycle riders. Now motorcyclists are required to have a minimum of $25,000 in liability insurance and carry proof of insurance coverage whenever they are on the road. Before this change, motorcyclists were exempt from state laws that required motorists to carry this liability coverage.
Motorcyclists should consider purchasing what the minimum amount of liability coverage is for automobiles. This is $50,000 for bodily injury liability for two or more people in an accident and $100,000 for property damage liability. Typically, the motorcycle minimum of $25,000 won’t go very far in a case that involves serious injuries. If the accident is severe, then half the amount will go to the ambulance ride and emergency room visit.
What Are Optional Motorcycle Coverages Available in Washington?
Liability will only provide coverage to others in the event of an accident. You can also purchase personal injury protection to cover your own medical bills and wage losses after an accident. You may also want to consider uninsured motorist coverage to cover incidents beyond your control. Motorcyclists can be severely injured in a crash, and the minimum may not be enough to cover injuries alone. If the other driver doesn’t have insurance, you could be at a loss.
Just like with auto insurance, there are other additional insurance options for motorcycles. Speak with an agent at ASKE Insurance Advisors to figure out which policies work best for you. Collision and comprehensive coverage can help you pay for damages to your motorcycle. Collision covers any accident-related damages, and comprehensive coverage covers non-accident related damages. You can get overage for custom parts, accessories, and equipment you add to your bike. For many riders, this is part of the lure of owning a motorcycle, but that additional equipment can add up. You want to make sure it is covered if you do suffer a loss.
Contact ASKE Insurance Advisors to get a quote on motorcycle insurance.