When Will You Need Motorcycle Insurance?

​Before you hit the open road, you might wonder, "Is motorcycle insurance required? The guidelines below will assist you in determining when it is appropriate to consult with an agent about motorcycle insurance.

1. When You Have a Provisional License
   In general, state laws and requirements are the same for permit holders and legally registered motorcycle drivers. If your state requires motorcycle insurance to obtain a driver's license or authorization, you will most likely need insurance while you have your permit.
   
   
2. When Purchasing and Financing a Motorcycle From a Dealership
   If you have a loan and owe for your motorcycle, you will need to protect the bank's equity with insurance, just like you would with a car.
   
   
3. When You Register your Motorcycle
   Before registering your motorcycle in most states, you must show proof of insurance.
   
   It is illegal to ride a motorcycle on public roads if it is not registered.
   
   
4. Living or Traveling Through a State Requiring Motorcycle Insurance
   As of 2017, the only states that don't even demand motorcycle insurance are Florida, New Hampshire, Washington, and Montana. Unlicensed drivers traveling through neighboring states, on the other hand, may face legal consequences for driving without insurance.
   
   Some states, such as Iowa, do not require motorcycle insurance but request proof of insurance or financial responsibility following an accident.
   
   
5. When You're Not Using your Motorcycle
   Motorcycle insurance is typically purchased on an annual basis. There is no reason to cancel your policy when your motorcycle is in storage. Keeping your policy active can be advantageous because it allows you to establish a track record of continuous insurance.
   
   If you keep insurance on your motorcycle while it's in storage, you'll be covered if the weather turns unusually warm and you go for a joy ride, or if your bike is compromised while it's in your compartment, garage, or courtyard.

In Summary
The decision lies solely on whether or not you obtain motorcycle insurance, but be aware of the benefits of doing so. Speak with an agent to know the most relevant information you need about having motorcycle insurance.

At Kapasu Insurance Services Inc, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (760) 995-3853. You can also request a free quote by CLICKING HERE. Coverage discussed in this article is not guaranteed. Please contact our agents today to ensure that your needs are being met and learn more about your policy. We are happy to help!