Do Motorcycle Drivers Need State-Required Liability Insurance?

For most people, the need for liability insurance as a motorcycle rider is very much present. Motorcycle insurance is required in some states and not in others. However, it is usually a wise decision to invest in this type of insurance because of the financial protections it offers. Keep in mind that drivers often benefit from policies that exceed state requirements as well. But you may be wondering why you need coverage.

Requirements for Motorcycle Insurance

There are 24 states and Washington D.C. that require motorcycle riders to maintain motorcycle insurance. This is mostly the case for larger bikes. The more powerful the engine of that bike is, the more likely it is that you will need coverage. For example, all states require insurance for full motorcycles and scooters that have an engine size of at least 50 cubic centimeters or are able to reach speeds as fast as 30 miles per hour. However, not all states require insurance for slower moving vehicles, including two wheelers like mopeds. You will need to check with your state to determine the specific requirements it has.

States that do have requirements only have liability insurance requirements. This means that the insurance specifically offers protection for any damage you cause to another person or another person’s property in the event of an accident. It does not provide any coverage for your bike. That means you may not have any protection if you are involved in an accident and damage your bike.

Getting the Right Motorcycle Insurance

In addition to liability insurance, most motorcycle owners should also consider the value of comprehensive insurance, collision insurance and underinsured/uninsured motorist coverage. These are the same types of coverage you may have on your vehicle. They work to protect your assets specifically in the event of an accident. And although they are not a requirement under law, they can be very important when it comes to protecting your vehicle from losses.

Today’s motorcycle owners who take pride in their bikes value these types of investments significantly. Don’t overlook the value of purchasing the right coverage for your needs. Your motorcycle insurance can help you protect your investment properly.