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Jun 25th 2019, 05:53 AM   #1
 
  Jan 2016
  Lynnwood WA

  2007 Yamaha FZ6, 2008 Aprilia Tuono & 2009 Yamaha WR250R
WA to require liability insurance 7/28/19

For Washington licensed motorcycle riders, liability insurance is going to be required effective July 28th with very few exceptions:

https://www.insurance.wa.gov/washing...-insurance-law
Jun 25th 2019, 06:28 AM   #2
 LaCorski's Avatar
 
  Oct 2016
  Yakima

Great.... more money spent...

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Jun 25th 2019, 07:13 AM   #3
 Alpine 318is's Avatar
 
  Jun 2016
  Kirkland, WA

  2011 Triumph Daytona 675 Track
Quote:
Originally Posted by LaCorski
Great.... more money spent...
Depends on which side of the accident you are on. My Fiance was hit by an uninsured motorcyclist he pretty much struggled his shoulders and said, I don't have insurance and I can't pay for this so sue me. Luckily she had under insured motorist coverage so she was only out her deductible.

I've been carrying insurance since day 1 riding a motorcycle and I really don't think its a problem to require people to carry insurance in case they cause damage to another persons property.
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Jun 25th 2019, 07:33 AM   #4
 Pavement Tested's Avatar
 
  Jan 2016
  Seabeck

  '08 GSX1300R, '06 GSX-R 750, '17 KTM 690 Duke
Had full coverage on every bike I've owned for 20 years. Why would you not want it? I always thought it was silly that Wa didn't require it to begin with.
Jun 25th 2019, 08:06 AM   #5
 jared p's Avatar
 
  Jan 2016
  here

  there
i have to say i'm on board with this one
Jun 25th 2019, 08:24 AM   #6
 Oregon Motorcycle's Avatar
 
  Mar 2019
  oregon

Some have this idea that bikes are small and can’t cause much damage.
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Jun 25th 2019, 08:31 AM   #7
 LaCorski's Avatar
 
  Oct 2016
  Yakima

I see it from both sides, just frustrating to be put in this position caused by other people is all.


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Jun 25th 2019, 11:18 AM   #8
 Alpine 318is's Avatar
 
  Jun 2016
  Kirkland, WA

  2011 Triumph Daytona 675 Track
Quote:
Originally Posted by Oregon Motorcycle
Some have this idea that bikes are small and canít cause much damage.
Not much damage is relative and have you seen the cost of repairs in this state. Anytime something gets hit its going to be a minimum of $500 and more likely over $1000. If someone is too cheap to carry motorcycle insurance they are probably too cheap to take responsibility for the damage the caused.
MotoDan likes this.
Jun 25th 2019, 02:48 PM   #9
 unicykle's Avatar
 
  Sep 2017
  milwaukie oregon

  gsxr600 gsxr750 gsxr1000 i like gsxrs
Im on board with this, always have had insurance, i can possibly understand 50cc scooters as not carying insurance but any thing that can get on the freeway should
Jun 25th 2019, 02:51 PM   #10
 
  May 2016
  Milwaukie, OR

  2016 ZX-10R; 2017 Z900
Having had a bike backed into (and damaged) 2x at work, and having to get repairs on my own - no witnesses - AND later having a motorcycle stolen, not recovered....I think full coverage is worth it. Even if you run your deductible up to save money, you'll still get compensation in either of those scenarios.

I am not sure it is the case in the Pacific NW now, but when I was growing up in Iowa, there were scenarios in which you could be made to pay for damage caused by your vehicle, even if you did not give permission for it to be used.

That's why they made us carry it there, anyway.

In the mid-90s there, you had to carry full coverage on your bike if you had a loan on it, too.... I believe that law went away, as it wasn't the law for cars with loans.
Jun 25th 2019, 03:53 PM   #11
 Pavement Tested's Avatar
 
  Jan 2016
  Seabeck

  '08 GSX1300R, '06 GSX-R 750, '17 KTM 690 Duke
Quote:
Originally Posted by Syringe
In the mid-90s there, you had to carry full coverage on your bike if you had a loan on it, too.... I believe that law went away, as it wasn't the law for cars with loans.
Banks are typically the entity that require full coverage on any vehicle that they own the note. I just bought a tractor and the finance company requires me to have it insured. Luckily, my homeowner's insurance covers it with no additional cost as long as I'm not using it for a business. If you dont have the vehicle insured and the bank finds out the can change the loan type to an unsecured loan and jack your interest rate. Insurance companies report to the banks annually when you have them listed as 2nd party on the title.
Jun 25th 2019, 04:36 PM   #12
 Akdawg's Avatar
 
  Dec 2018
  Goldendale WA

  Classic Sportsters, Triumph & BSA
Quote:
Originally Posted by Alpine 318is
Not much damage is relative and have you seen the cost of repairs in this state. Anytime something gets hit its going to be a minimum of $500 and more likely over $1000. If someone is too cheap to carry motorcycle insurance they are probably too cheap to take responsibility for the damage the caused.
Tailight assembly for a Lexus was $750 30 years ago if that provides a frame of reference for you....insurance is a cheap bet in the long run
Jun 26th 2019, 08:01 AM   #13
 albatrosscafe's Avatar
 
  Jan 2016
  Issaquah

  2015 Yamaha FZ-07
Rear ended a car about a month ago at about 30mph. Caused $3500 in damage. No insurance. I've been holding out for 11 years..... lol

Super happy and lucky to have survived with minimal injury. But I will never ride without insurance again, law or not. Especially when I found out that you can get insurance for a couple hundred $$ per year.
Jun 26th 2019, 08:43 AM   #14
 ZXtasy's Avatar
 
  Jan 2016
  Moses Lake, WA

  2013 Kawasaki Concours C-14, 2005 ZX-10R Kawasaki (Nekkid), '99 Yamaha TW-200
This is strange, I have asked my insurance agent about this twice , State Farm, and they have no record or info that this is going into effect. Are trey that uninformed?? Still, I put coverage on my 1999 TW-200 just in case. I have always carried full on my big street rides. Guess i will send them that link.
Jun 26th 2019, 08:57 AM   #15
 Alpine 318is's Avatar
 
  Jun 2016
  Kirkland, WA

  2011 Triumph Daytona 675 Track
Quote:
Originally Posted by albatrosscafe
Rear ended a car about a month ago at about 30mph. Caused $3500 in damage. No insurance. I've been holding out for 11 years..... lol
Well..... assuming your deductible is $500 in theory if your insurance was more than $22.72 per month or $272.72 per year for those 11 years you did come out ahead. Highly doubt you stashed that money all those years though in prep for the accident.
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