Do I need Motorcycle Insurance?

Most states require people that own and operate motorcycles to carry insurance. In fact, as of 2017, there are only four states that dont require motorcycle insurance and they are Florida, Montana, New Hampshire, and Washington. Conversely, It is considered a two-wheeled vehicle that must be insured in most states. As a result, just like a car, insurance is a requirement and there are required state minimums. The Redden Insurance Agency of Bradley WV wants to help motorcycle owners understand what’s required to own and operate a motorcycle in their state.

What is Motorcycle Insurance?

Motorcycle insurance is similar to car insurance in that it protects you from liability if you hurt someone or cause an accident while you are riding your motorcycle. It covers the cost of repairing someone else’s car or bike if there is damage as well as bodily injury. However, the minimum coverage amounts vary from state to state. This type of insurance can also pay for repairs to your bike.

West Virginia State Requirements

West Virginia is one of the states that requires motorcycle operators to carry insurance. The state minimums cover bodily injury and property damage. West Virginia requires all motorcycle owners and operators to carry $20,000 worth of insurance to cover bodily injury and $40,000 per incident. Also, WV motorcycle operators are required to carry $10,000 worth of property damage insurance per incident. Keep in mind that these are WV’s state minimums and motorcycle operators can carry more insurance if they see fit. SPeaking with a Redden Insurance Agency representative can help you determine how much coverage would be best for you and what all of the benefits of carrying motorcycle insurance are. Give us a call. We’re here to help.