by Guest » Sun Jun 21, 2009 03:43 am
If the state you live in does not require motorcycle insurance, then what will happen if I choose not to carry motorcycle insurance and I am in an accident that is not my fault. Can I sue? If the driver at fault is charged with a failure to yield and I die, can my heirs sue his insurance company?
Posted: Sun Jun 21, 2009 12:10 pm Post Subject:
Yes, but they wouldn't be sueing the at fault partys ins company the ywould be sueing the at fault party.
Posted: Mon Jun 22, 2009 06:55 am Post Subject:
Hi Lori,
If the motorcycle owner owns a car too, would he then be able to collect under his auto policy in case of motorcycle accident?
Posted: Mon Jun 22, 2009 10:44 am Post Subject:
If the motorcycle owner owns a car too, would he then be able to collect under his auto policy in case of motorcycle accident?
It would depend on the laws of that state, how long they'd had the motorcycle etc. But more than likely no.. At least in my state and the bordering ones that I deal with most of the time. A Bike is looked at like an auto and must have it's own policy. ONly exception that comes to mind is if it were 'recently acquired' and the owner had other vehicles insured, they may have automatic coverage for the first thirty days.Posted: Mon Jun 22, 2009 08:48 pm Post Subject:
While it is true that you don't have to carry auto insurance on a motorcycle in Washington, you do have to prove financial responsibility in the event of an accident. Quote from the Washington insurance web site:
Vehicles exempt from the Mandatory Auto Insurance Law
• Specially licensed “antique vehicles” over 40 years old
• “Collector’s vehicles” over 30 years old
• Publicly-owned vehicles (vehicles owned, rented or leased by state, federal, city, county, and town governments, school districts and political subdivisions)
• Vehicles registered with the Washington Utilities and Transportation Commission as common or contract carriers (any truck that hauls for payment)
• Motorcycles
• Motor-driven cycles, such as motor scooters
• Mopeds
Regardless of this exemption, all drivers are subject to the state’s Financial Responsibility Law. This law requires the person who is responsible for the damage or injury to pay the loss.
So, I think it's best to carry motorcycle insurance just in case...
InsTeacher 8)
Posted: Tue Jun 23, 2009 11:56 am Post Subject:
If the state you live in does not require motorcycle insurance, then what will happen if I choose not to carry motorcycle insurance and I am in an accident that is not my fault.
Well, I'm a bit confused...have you really met with such an accident recently? Or is it just that you're inquiring about the possibilities prior to your purchasing a motorcycle?
Steven
Posted: Tue Jun 23, 2009 12:01 pm Post Subject:
what will happen if I choose not to carry motorcycle insurance and I am in an accident that is not my fault.
If you cannot prove finacial responsiblity per the terms of your state, then you will be ticketed..if you state has no pay no play you won't get anything or a reduced amount per this rule for your state. (some no pay no play states, barr you completely from recovery some will only pay economic losses others will pay economic losses over a certain amount say 2k)...It just makes sense to carry ins..what's the big deal with just doing that?Add your comment