Do I need motorcycle insurance?

Question:

Do I need motorcycle insurance?

Answer:

According to the law in your state, you almost certainly do need to carry some form of liability insurance on your motorcycle, or at least be able to demonstrate proof of your financial responsibility in case you’re involved in amotorcycle accident.

In most states, the same insurance rules and requirements that apply to car owners also apply to motorcycle riders. That’s because a motorcycle is typically considered a “motor vehicle” under state vehicle codes

That means, in order to register your motorcycle with your state’s department of motor vehicles, you need to show proof that you’ve purchased liability insurance at or above the minimum coverage requirements in place in the state. If your state has a “financial responsibility” law that does not specifically require the purchase of an insurance policy, you need to show proof of financial responsibility in a method that’s accepted by the state.

Remember that your state’s minimum liability insurance coverage requirements are just that: minimums that are set by law. As with cars and trucks, you can purchase additional insurance coverage on top of what’s required under your state’s laws. That includes collision coverage, which would apply to pay for damage to your motorcycle, minus the amount of your deductible. You may also choose to add comprehensive coverage to your policy, which would cover you if your motorcycle is stolen or is damaged in a scenario that doesn’t involve a collision -- it falls over in a wind storm or is damaged by fire, for example.

Get the details on the minimum insurance requirements where you live: Car Insurance Requirements State-by-State.

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