Back in July of 2019, a Washington State law passed requiring all motorcycle drivers carry liability coverage and proof they have insurance, meaning if you drive a motorcycle, you must be insured!
You must do one of the following options:
- You need liability limits of at least:
- $25,000 for injuries or death to another person.
- $50,000 for injuries or death to all other people.
- $10,000 for damage to another person’s property
- Apply for a certificate of deposit to pay for your liability insurance with the Department of Licensing.
- Have a liability bond of at least $60,000 filed by a surety bond company that’s authorized to do business in Washington.
- Self-insure if you have 26 or more vehicles. To see if you qualify for this option, contact the Department of Licensing.
Showing Proof Of Insurance
According to the office of Washington State insurance commissioner, “Your insurance company sends you a proof-of-insurance card when you start or renew your auto or motorcycle policy. The card shows that either you or your vehicle/motorcycle are covered by liability insurance. Remember, if you’re stopped by a law enforcement officer, you must show proof that you have auto/motorcycle insurance. If you don’t have proof, he or she will give you a ticket (traffic violation).”
Exceptions
The law does not apply to the following registered vehicles:
- Motor scooters and mopeds.
- Specially licensed horseless carriage vehicles over 40 years old.
- State or publicly-owned vehicles.
- Common or contract carrier with the Washington Utilities and Transportation Commission.
It’s important to remember that even though insurance is not mandatory for the vehicles listed above, you may still be held responsible for any damages or injuries that result from your negligent use of these vehicles. If your type of vehicle has not yet been listed, contact the Department of Licensing for clarification.
For more information or to be sure you have the correct coverage for your vehicle, give the Corwin-Rey team a call today! 360-414-8754