Although motorcycle liability insurance is not required in Washington, it is still a good idea to have insurance coverage to protect yourself or someone else in the event of a motorcycle accident. This coverage is especially important if you have a home or other assets that you wish to protect. If you cause an accident and you don’t have insurance, the injured party may seek compensation which could put you and your loved ones in financial risk.
Aside from purchasing auto liability insurance, other ways to prove financial responsibility include certificate of deposit of $60,000 or liability bond of $60,000 (RCW 46.30.020). If you purchase the motorcycle on loan, the lender might require that you have liability insurance.
Similarly, if you are hit by a driver who is uninsured or underinsured, it is imperative to have UIM/UM coverage. Typically, motorcyclists are injured severally in an accident and the state’s minimum policy limit of $25,000 will not cover the injuries, wage lose, and non-economic damages. Without having insurance, you put you and your loved ones in financial risk. It is also crucial to be aware that insurers are permitted to exclude losses from those operating motorcycles from their insurance policies.
Types of Coverage
It is not mandatory to purchase motorcycle insurance, although motorcyclists should consider purchasing at least the minimum amount of liability required for automobiles:
- $25,000 for bodily injury of one person per accident
- $50,000 for bodily injury for two or more people per accident
- $10,000 for injury to or destruction of property of others per accident
- You may also purchase Personal Injury Protection (PIP) to help cover your own medical costs and wage lost after an accident.
Typically, $25,000 does not go very far in an auto or motorcycle accident claim. If the accident is severe, half of this amount may go towards the first ambulance ride and medical stay in the Emergency room. Since $25,000 usually is not adequate in a severe auto or motorcycle accident, it is important to consider purchasing higher policy limits.
Proof of Insurance
If you chose to carry insurance on your motorcycle, it is a good idea to carry the card with you while riding the motorcycle in the event of an accident. This way, if you are involved in an accident, you have all of the information that you need to exchange with the other party involved in the accident.
Motorcycle Endorsements in Washington State
Although motorcycle insurance is not required in Washington State, having a motorcycle endorsement is a requirement. The endorsement demonstrates that the rider has at least minimal skills and knowledge regarding safe motorcycle operation. In 2007, Washington State adjusted its vehicle code to allow law enforcement officers to impound motorcycles of unendorsed riders. This was enacted to mandate riders get their endorsements as well as penalize the drivers who are unendorsed.
There are two ways that a motorcyclist can get their endorsement:
- Pass the knowledge and riding skill at an approved motorcycle training school. Once you pass the knowledge test, you may apply for an instruction permit. After you pass the knowledge and riding tests, you may bring your score sheet to any driver licensing office within one year of passing within one year of passing the test to get your motorcycle endorsement.
- Complete and pass a motorcycle safety course at an approved motorcycle training school.
Motorcyclists have more strict regulations to comply with than drivers do. These regulations include: motorcycle endorsement, required eye protection and helmet use, maximum handle height, maximum volume, and random, periodic safety inspections. Riders are allowed to side two abreast, however lane splitting with a motor vehicle is prohibited.
Motorcycle insurance requirements are much different than auto insurance requirements in Washington State. While a motorcycle endorsement teaches and possibly increases the rider’s safety, it provides the rider with minimal protection. Insurance coverage is the only way to financial protect yourself, your family and your assets in the event of an accident.