Purchasing a new motorcycle or refurbishing one is exciting, but before you ride off into the sunset, please take a moment to consider motorcycle insurance and speak to Capital Insurance serving Spokane, WA, about your insurance requirements.
Mandatory Motorcycle Insurance
In WA, as of 2019, all motorcycle drivers have to carry liability coverage and proof of insurance cover. The minimum required liability insurance limits are as follows:
- $25,000 for death or injury to a third party
- $50,000 for death or injuries to all other parties
- $10,000 third party property damage
Alternatively, you may take out a liability bond of $60,000. Insurers are required by state law to offer you Personal Injury Protection (PIP), which you can add to your auto policy, and it will help pay certain bills if you are in an auto accident. PIP applies on a no-fault basis! Your insurer will also offer your insurance against other drivers being under or uninsured.
Other Motorcycle Insurance Types
Motorcycle insurance types are very similar to normal auto insurance types and include
One type is collision insurance, which pays for damage to your car if you crash into another vehicle or object. Another type is comprehensive when you incur loss due to theft or damage from something other than a crash, like vandalism. A nice-to-have type of insurance is roadside assistance cover, which is insurance for when you break down on the side of the road and your motorcycle might need to be moved or fixed on the side of the road. The insurer will reimburse you after it processes this type of claim. Rental reimbursement is great if you need to hire another vehicle to get around while yours is in the repair shop.
Speak to Capital Insurance serving Spokane, WA, today to make sure your butt and your motorcycle are covered!
