What To Know About Motorcycle Insurance Laws In Vancouver, WA

​If you own a motorcycle, it's important to understand the motorcycle insurance laws in the state. Motorcycle insurance laws are designed to protect both riders and other drivers on the road. In this article, we'll explore the motorcycle insurance laws in Vancouver, WA and what you need to know to stay compliant.

Minimum Insurance Requirements
In Vancouver, WA, motorcycle owners are required to carry a minimum amount of liability insurance. Liability insurance provides coverage for damage to other people's property or injuries they may sustain in an accident you cause. The minimum liability insurance requirements for motorcycle owners in Vancouver, WA are:

$25,000 bodily injury per person
$50,000 bodily injury per accident
$10,000 property damage per accident

These minimum requirements are designed to provide basic protection for riders and other drivers on the road.

Penalties for Non-Compliance
Failing to carry the minimum amount of liability insurance can result in penalties and fines. If you're caught driving without insurance, you may face fines of up to $450 for a first offense, and up to $1,000 for subsequent offenses. Additionally, your license and registration may be suspended, and you may be required to file an SR-22 form with the state to demonstrate that you have insurance.

Optional Insurance Coverage
While liability insurance is the only insurance coverage required by law, motorcycle owners may also choose to purchase additional coverage for their bikes. Optional insurance coverage can provide additional protection for your motorcycle, as well as for you as a rider. Some common types of optional motorcycle insurance coverage include:

• Collision coverage: Provides coverage for damage to your motorcycle in the event of an accident.
  
  
• Comprehensive coverage: Provides coverage for damage to your motorcycle caused by events such as theft, vandalism, or natural disasters.
  
  
• Uninsured/underinsured motorist coverage: Provides coverage for damage or injuries you sustain in an accident caused by a driver who does not have insurance or who has insufficient insurance.

Final Thoughts
Understanding the motorcycle insurance law is essential for any motorcycle owner. The state's minimum liability insurance requirements are designed to provide basic protection for riders and other drivers on the road. Failing to carry insurance can result in penalties and fines, so it's important to stay compliant. Additionally, optional insurance coverage can provide additional protection for your motorcycle and for you as a rider. Be sure to review your policy regularly and make adjustments as needed to ensure that you're getting the best coverage for your needs.

At AllRisk Auto Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​