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Very Active Member
Mandatory motorcycle insurance in Washington
Came across this little tid-bit and thought I'd share......
https://www.insurance.wa.gov/washing...-insurance-law
Greg Kamer
"It's better to be not riding and wishing you were than be riding and wishing you weren't."
USAF, 20 years, retired
Sheriff's Office, 23 years, retired
2018 Can Am Spyder RT-Limited
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Very Active Member
Not that unusual, many states require it for all motorized vehicles on the roads. I think some exceptions are made for scooters.
https://www.dmv.org/insurance/motorc...quirements.php
h0gr1der
2018 RT Limited Blue/Chrome SE6 *Tri-Axis Bars*Adjustable Driver Backrest*175/55R15 Vredestein Front, 205/60R15 Vredestein Rear Tires*Baja Ron Front Spring Pre-Load Adjusters*Misty Mountain Sheepskin seat cover*Centramatic balancers *Garmin Zumo 595LM GPS*KOTT Grills*BajaRon swaybar*SpyderPops Alignment*Missing Belt guard*Magnetic Mirrors*Custom Rear Adjustable Shock*360° LED Headlights & Foglights*Progressive front fender turn signals
States Visited on Less than 4 wheels.
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Hi gkamer,
Re: Mandatory motorcycle insurance in Washington
This is interesting: 'requires anyone who drives a motor vehicle or a motorcycle (effective July 28, 2019) in our state to do one of the following'
It would seem as though anyone from out of state who does not have that level of coverage would have to obtain it prior to driving/riding in Washington state.
I live just south of Washington, in Oregon, and back in the early 60's, Washington had higher liability req'ments than Oregon did but we could still drive in Washington without having the higher liability limits.
Jerry Baumchen
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I think all the spyder will have Insurance, I have insure all my motorcycle
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Very Active Member
I was a Washington resident for over 60 years. It never occurred to me to NOT be insured. Too risky in today's litigious society..... Jim
2005 Windveil Blue Premium Mustang Convertible
2008 Honda GL1800/California Sidecar Trike, SOLD
2014 Platinum Silver Satin Spyder RTL, SOLD
Semper Fi
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Hi Bob,
Re: Yup! You have to comply with the laws in your home State.
Note; I said: I live just south of Washington, in Oregon
Or, are you saying that some federal law would allow us non-Washington residents to not have to comply with this new Washington law?
Jerry Baumchen
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Very Active Member
It would seem as though anyone from out of state who does not have that level of coverage would have to obtain it prior to driving/riding in Washington state.
Jerry Baumchen
Jerry,
I don't think that would be the case. I think it would only apply to drivers operating a vehicle registered in the state. I think it would work like licensing requirements. Some states allow people to operate motorcycles without a special endorsement, a regular drivers license is sufficient. Otherwise you could not legally drive in states that do require a motorcycle endorsement.
Greg Kamer
"It's better to be not riding and wishing you were than be riding and wishing you weren't."
USAF, 20 years, retired
Sheriff's Office, 23 years, retired
2018 Can Am Spyder RT-Limited
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Originally Posted by Bob Denman
Yup! You have to comply with the laws in your home State.
True - However in Washington State, when an out of State vehicle is involved in an accident with a WS resident, the resident can demand that authorities impound the out of stater's vehicle until the owner can provide proof of equal or greater than WS min liability insurance or post a bond to meet requirements.
Haven't checked to see if this has changed in a while.
Regards,
Don
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500,00 not going to take you far when your ass is sued off. 2 Mil in Ontario now is the norm and lots carry more.
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Active Member
I've ALWAYS had it. Never knew it wasn't required.
Ray & Marci
Tenino, WA
2014RTL Cognac
ALWAYS ride 2 up.
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Very Active Member
Question.... Why wouldn't you have insurance????
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Hi Purple Guy,
Re: Question.... Why wouldn't you have insurance????
Have been following the thread? It is not about not having insurance, it is about the amount.
Jerry Baumchen
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Very Active Member
Originally Posted by JerryB
Hi Purple Guy,
Re: Question.... Why wouldn't you have insurance????
Have been following the thread? It is not about not having insurance, it is about the amount.
Jerry Baumchen
Then I misunderstood...
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Very Active Member
Originally Posted by dondje
True - However in Washington State, when an out of State vehicle is involved in an accident with a WS resident, the resident can demand that authorities impound the out of stater's vehicle until the owner can provide proof of equal or greater than WS min liability insurance or post a bond to meet requirements.
Don
I served in law enforcement in Washington for 23 years and I was never aware the Revised Code of Washington allowed a private citizen to take this kind of action. In fact I've spent the last hour delving through the RCW to find the statute you're referring to. Can you point me in the right direction, I'd really like to read that chapter. I can say in Washington, driving without insurance is a traffic infraction, in the same vein as running a stop sign or failing to signal a turn.
If you're stopped and found to be driving without insurance, you'll be cited. If, when you appear in court, you prove you actually did have insurance at the time you were cited, the infraction will be dismissed, but you will probably be required to pay a court administration fee of $25.00. If a collision is involved but there was no criminal act, I'm guessing it will be a matter for the insurance company's or courts to settle, in other words it would be a civil matter.
Greg Kamer
"It's better to be not riding and wishing you were than be riding and wishing you weren't."
USAF, 20 years, retired
Sheriff's Office, 23 years, retired
2018 Can Am Spyder RT-Limited
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