Washington motorcycle laws are constantly changing to help protect bikers and their passengers from suffering serious injuries. One such law recently went into effect in 2019. As of July 28, 2019, motorcyclists are now required to carry a minimum of $25,000 in liability insurance coverage, as well as proof of insurance at all times while riding. Prior to this law, motorcyclists were exempt from carrying minimum liability insurance.
Motorcyclists in Seattle are now required to do one of the following:
- Purchase the minimum insurance coverage that other motorists are required to purchase in the state.
- $25,000 for bodily injury of one person per accident
- $50,000 for bodily injury for two or more people per accident
- $10,000 for injury to or destruction of property of others per accident
- Apply for a certificate of deposit to pay for your liability insurance
- Have a liability bond of at least $60,000
- Self-insure if you own 26 or more vehicles
While this might seem like a lot of money, $25,000 can easily become spent in the first few weeks after a serious motorcycle accident. Between ambulance rides, emergency medical services, and hospital stays, the injured accident victim might easily reach your policy limits.
Even if Washington had not reversed their position on mandatory liability insurance coverage for motorcyclists, purchasing liability insurance was always a good idea.
Liability insurance protects you in case you injure yourself or someone else in a motorcycle accident. If you cause an accident, and do not have insurance, the injured party could potentially file a lawsuit against you which could jeopardize other assets you wish to protect.
Other Insurance Coverage That Can Protect You After a Motorcycle Crash
Remember, liability insurance only provides coverage to other people you have injured in an accident. It does not help pay for your injuries. In order to ensure that you are covered after a severe motorcycle crash, it is important to consider purchasing additional insurance in the form of Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist (UM/UIM).
Personal Injury Protection (PIP)
PIP insurance is an optional policy that Washington motorists can purchase. In the event you are injured in a motorcycle accident, you can turn to your own PIP insurance policy to help cover the cost of your own injuries. This can ensure that you are not stuck paying massive medical bills after a serious motorcycle accident.
Uninsured/Underinsured Motorist (UM/UIM)
If you are injured in an accident with an uninsured or underinsured driver, and you purchased UM/UIM insurance, then you would be able to turn to your own insurance to cover the expenses after a crash. Your UM/UIM policy will also kick in if you are injured in a hit and run accident.
Contact Our Seattle Motorcycle Accident Lawyer
If you or someone you love has been injured in a motorcycle accident in Seattle, Tacoma, or anywhere in the state of Washington, it is important to speak to an experienced motorcycle accident attorney immediately.
At Herschensohn Law, PLLC, our Seattle motorcycle accident lawyers know that injured bikers often face an uphill battle when trying to secure compensation. That is why we fight so aggressively from the start. Our law firm serves King and Pierce counties from our offices in West Seattle, Tacoma, Kenmore, and Kent. Call us today at (206) 588-4344 or fill out our confidential contact form for a free initial consultation and review of your case.