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Old 02-02-2012, 05:24 PM   #1
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Rayman's Avatar
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Joined: Jul 2009
From: Tacoma, Wa

I Ride: the Lightning
washington motorcycle insurance
I am firm believer in insurance but not clear on the requirements for washington. Is motorcycle required in washington? I am a summertime rider and hate to pay a full year of insurance while only riding 4 or 5 months out of the year. What do you guys do?

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Old 02-02-2012, 05:31 PM   #2
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Debi's Avatar
 
Joined: Apr 2009
From: Renton, WA

I Ride: 05 KTM450SMR, 04 YZF250 and one bad ass Truck hehe
Not mandatory here But I keep mine insured all year just in case

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Old 02-02-2012, 05:40 PM   #3
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Joined: May 2011
From: Wherever the job sends me today.

I Ride: 2011 Triumph Tiger 800 XC
“ Quote:
Originally Posted by Rayman View Post
Is motorcycle required in washington?
Yes a motorcycle is required in Washington. . .

No Insurance is not required, I like Deb keep it on it year round. Heck I go as far as getting FULL insurance with GAP coverage. If I get nailed I want a new bike out of it without having to argue with anyone.

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Old 02-02-2012, 06:11 PM   #4
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Joined: Aug 2008
From: Where the snow falls
Blog Entries: 3

I Ride: one with two wheels
Just keep in mind that if you do not have insurance on your ride, you can not legally ride outside of the state.

You would be required to have insurance in Oregon or Idaho. You don't get a pass on insurance in those states because you are Washington registered.

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Old 02-02-2012, 07:00 PM   #5
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Joined: Apr 2011
From: under the viaduct

I Ride: APE
“ Quote:
Originally Posted by blueline15 View Post
Just keep in mind that if you do not have insurance on your ride, you can not legally ride outside of the state.

You would be required to have insurance in Oregon or Idaho. You don't get a pass on insurance in those states because you are Washington registered.
yeah, ummmmm insurance but no helmets.mmkay. on a serious note, on my nice bike full coverage; just in case. on my old stuff-nope.

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Old 02-02-2012, 07:19 PM   #6
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Joined: May 2009
From: Spokane.Wa

I Ride: "10 ZX10 Ninja, 09zx6R, '08 ZX10R sold
Most companies do a "winter plan" that is almost nothing for storage in the bad months, but yes its a good idea to have it even if its not required

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Old 02-02-2012, 07:37 PM   #7
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Joined: Apr 2007
From: Seattle, WA / Dublin, Ireland

I Ride: Yamaha R1, Ducati S2R, Star Stratoliner, Norton 850 Commando, Suzuki 250
For what it's worth, I usually pick up insurance for the summer months and for those times I'm riding out of state. I can also transfer the policy from bike to bike to bike. I then cancel the policy for winter. That keeps costs reasonable.

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Old 02-02-2012, 07:38 PM   #8
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Joined: Aug 2008
From: Where the snow falls
Blog Entries: 3

I Ride: one with two wheels
“ Quote:
Originally Posted by tyrklnr View Post
yeah, ummmmm insurance but no helmets.mmkay. on a serious note, on my nice bike full coverage; just in case. on my old stuff-nope.
It's just the law. If you don't like Idaho's laws, go be a politician over there.

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Old 02-02-2012, 07:45 PM   #9
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Joined: Apr 2011
From: under the viaduct

I Ride: APE
nope. that would require me to live there.

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Old 02-02-2012, 07:45 PM   #10
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Joined: May 2009
From: WA
I do full coverage in the spring/summer/fall. Then when they put that "Pit Run" plus chemical on the roads; I suspend everything except comp. That keeps it within reason...AJ

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Old 02-02-2012, 07:48 PM   #11
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Joined: Apr 2011
From: Port Orchard, WA

I Ride: 2007 Moto Guzzi Norge, 1988 H-D (Project) Electra-Glide
“ Quote:
Originally Posted by Rayman View Post
I am firm believer in insurance but not clear on the requirements for washington. Is motorcycle required in washington? I am a summertime rider and hate to pay a full year of insurance while only riding 4 or 5 months out of the year. What do you guys do?
There is a bit of a misconception about insurance on motorcycles. While it is true that RCW 46.30.020 exempts motorcycles from carrying liability insurance, RCW 46.29 does address financial responsibility, containing no exemptions for motorcycles. There is no requirement of financial responsibility until the accident, and then the requirement kicks in.

Bottom line, anyone who is not independently wealthy riding without insurance is a fool. You place your property and your family at financial risk. If you are only riding during "riding season" get a policy that can go inactive during the winter. Just keep in mind that most of those products cannot be brought back into force early. Check with an independent agent or the state insurance commissioner for the best information.

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Old 02-02-2012, 08:14 PM   #12
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Joined: Jul 2009
From: Kirkland, Washington
Blog Entries: 1

I Ride: Yamaha V-Star 1100 Custom
“ Quote:
Originally Posted by texasl View Post
bottom line, anyone who is not independently wealthy riding without insurance is a fool. You place your property and your family at financial risk. If you are only riding during "riding season" get a policy that can go inactive during the winter. Just keep in mind that most of those products cannot be brought back into force early. Check with an independent agent or the state insurance commissioner for the best information.

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Old 02-02-2012, 08:23 PM   #13
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Joined: May 2009
From: WA
While I agree with the statement, cannot afford, to not have insurance. {although I would leave out the fool part} Liability would at least cover yourself in the event of your being at fault in an accident. We have a site sponsor "Spec Insurance." Might want to give him a call...AJ

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Old 02-02-2012, 08:52 PM   #14
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Joined: Jun 2007
From: Seattle

I Ride: YZF750, HawkGT, YSR50, VT1100(parting), '73 CB350F, SV650, CB550F, CB175
Insurance is a scam.

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Old 02-03-2012, 08:30 AM   #15
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Joined: Jun 2011
From: Lynnwood, Ellensburg, Washington
Blog Entries: 1

I Ride: widow maker
No, you need insurance. Here is my take,
You do not need a proof of insurance if you get pulled over, the cops won't ask for it but keep in mind that you still need insurance, if you get in to an accident, you can get sued although it is very rare that a biker is at fault.

I don't have one, I know i should be practicing what i preach but this is what i have been told by a state trooper.

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Old 02-03-2012, 08:56 AM   #16
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Joined: Oct 2010
From: Marysville, WA

I Ride: 08 675, 72 XL250, 93 PW80, 80 GS250
“ Quote:
Originally Posted by Texasl View Post
There is a bit of a misconception about insurance on motorcycles. While it is true that RCW 46.30.020 exempts motorcycles from carrying liability insurance, RCW 46.29 does address financial responsibility, containing no exemptions for motorcycles. There is no requirement of financial responsibility until the accident, and then the requirement kicks in.

Bottom line, anyone who is not independently wealthy riding without insurance is a fool. You place your property and your family at financial risk. If you are only riding during "riding season" get a policy that can go inactive during the winter. Just keep in mind that most of those products cannot be brought back into force early. Check with an independent agent or the state insurance commissioner for the best information.
This should be stickied in both new users and motorcycle talk, IMHO. It still amazes me that people that have done an MSF course still claim there is no insurance requirement without stating the financial responsibilities of an accident. Maybe is should be made clearer.

For those that didn't click the links or bother with insurance, it seems to me having access to 85,000 bucks would be a good idea! Double that if you want to ride again after a claim is made against you.

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Old 02-03-2012, 09:32 AM   #17
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Joined: Feb 2007
From: Seattle

I Ride: 06 600RR
“ Quote:
Originally Posted by Debi View Post
Not mandatory here But I keep mine insured all year just in case
I fall in to this category

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Old 02-03-2012, 09:38 AM   #18
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Joined: Aug 2011
From: Seattle, Wa.
“ Quote:
Originally Posted by ApexHack View Post
Insurance is a scam.
Until you need it......

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Old 02-03-2012, 10:46 AM   #19
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Joined: Oct 2010
From: Vancouver Wa

I Ride: Multistrada 1200
“ Quote:
Originally Posted by thrifty View Post
Until you need it......
A few years ago I was taken out by a left turning F150 with state minimum ins (25000). Less than half of my weeklong hospital stay, and then there was three months off work with a broken femur and two btoken arms. The extra few buck a month I was being scammed out of for higher limits and underinsured motorist led me to a claims adjuster from my ins. company telling me to send her all bills and let her know if I needed anything to cover expenses while it was settling out. Without that policy my daughter and I would have been couching it with family and losing everything.

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Old 02-03-2012, 12:56 PM   #20
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Joined: Jun 2007
From: Ft Benning

I Ride: 08 KTM 690SMC, 05 GSXR 1000
You could just just insurance for the season you're riding if your bike is tucked away safely during the winter.

I called Progressive 1 month before I moved to Georgia and they said just buy the insurance, cancel it when I move and get the 11 months refunded back into my account. I buy and sell bikes often and they have no issue with me having insurance with them for a few months.

Wonder if this is bad for my credit...

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