Do all motorcycles have to have insurance? Can it have a legit title/registed but no insurance?
Thursday, April 8th, 2010 at
2:27 pm
You are currently browsing comments. If you would like to return to the full story, you can read the full entry here: “Do all motorcycles have to have insurance? Can it have a legit title/registed but no insurance?”.
No.
All vehicles registered for use on the public highway have to have insurance. Just because a motorcycle can do 70+ mph and does not have any doors does not mean it does not need to be insured.
The sport bikes tend to be more expensive to insure than the cruising bikes. And just because it has 2 wheels instead of 4 – does not mean it will be cheaper than a car to insure. The rate of injuries for motorcycle riders and passengers is very very high. (In folks in the medical profession call them "donor-cycles" for a reason)
Also – you want to put Under-Insured motorist coverage on the bike. I’ve handled a lot of motorcycle claims and most of the folks have not been killed- have been severely injured. The insurance limits of the car that hit them has never been enough to cover the medical bills. Therefore, in my personal opinion – under-insured motorist coverage is a must if you are going to have a motorcycle.
If you have a choice of one of the two as you main means of transportation – consider the car. You can drive it in the rain, it’s easier to bring groceries home from the store, your dates hair won’t get messed up and it’s harder to steal.
3rd part insurance is compulsory for injury purposes, can be expensive for younger riders, damages insurance is Out of This World at that age on such a bike.
You would have to check, but I’m sure you can’t register such a big bike without insurance first. I know it’s that way here in Rhode Island. It’s a cheap policy – like 75 bucks a year.