A new insurance law REQUIRES motorcycles to have liability insurance just like cars in Washington state. Starting July 27, 2019 motorcycles must carry $25,000 in bodily injury liability insurance and $10,000 property damage liability insurance.
This is a big change since in the past no insurance was required for motorcycles. However, we have always recommended riders have insurance on their bikes. Mostly, to protect yourself against other drivers who do not have adequate insurance when they hit a motorcycle rider. Plus, motorcycles these days themselves are worth more than $10,000, so if a car hits you on your new bike you could be left without enough funds to pay off the loan if its totaled in an accident.
Likewise, a trip to Harborview after an accident will eat up $25,000 quickly. We believe all riders need to buy as much Underinsured Motorist (UIM) coverage on their motorcycle insurance as they can afford. We recommend $500,000. Yes, you read that right! Why so much you may be wondering? A two week stay in Harborview with a surgery or two to fix broken bones can add up to $300,000 or more quickly. So, having enough insurance to cover this is best.
Protect yourself with great UIM coverage and health insurance. You’re the only one looking out for you!