When Do You Need Motorcycle Insurance?

Motorcycle insurance is necessary in various scenarios to ensure legal compliance and protect yourself financially. Here’s when you typically need motorcycle insurance:

1. With a Learner’s Permit:

  • If your state requires motorcycle insurance to obtain a learner’s permit, you’ll need coverage while you have the permit.
  • In most cases, states require liability coverage for permit holders.

2. Buying and Financing a Motorcycle:

  • Similar to car insurance, if you finance a motorcycle through a loan, insurance is necessary to safeguard the lender’s investment.

3. Registering Your Motorcycle:

  • Many states demand proof of insurance before allowing motorcycle registration.
  • Unregistered motorcycles are usually not permitted on public roads.

4. State Requirements:

  • In 46 states, motorcycle insurance is mandatory.
  • Florida, New Hampshire, Washington, and Montana are exceptions, but uninsured riders in neighboring states could face legal consequences.

5. Mopeds and Scooters:

  • Around 24 states require insurance for mopeds and scooters.
  • Motorcycles and fast scooters generally necessitate insurance, while slower scooters may not. Your agent can clarify suitable coverage.

6. Storage Periods:

  • Keeping your motorcycle insurance active during storage is wise.
  • Continuous coverage helps maintain an insurance history and ensures you’re protected if you take an unexpected ride or encounter storage-related damage.

Remember that motorcycle insurance serves not only as a legal requirement but also as a crucial means of financial protection in case of accidents, theft, or damage. Consulting with a insure agent can help you determine the appropriate coverage for your motorcycle and specific situation.

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