Do I Need Different Insurance For My Motorcycle?
- Monday, 09 June 2014 14:20
The state of Oregon has minimum requirements for insurance to cover motorcycles
. You do not need different car insurance for a motorcycle; however, you must state you want to cover a motorcycle, and the rates will most likely be higher than they would be for a car. The minimum liability insurance a motorcyclist must have is:
- For bodily injury and property damage liability – $25,000 per person, $50,000 per collision for bodily injury to others, and $20,000 per collision for damage to others’ property
- $15,000 per person for personal injury protection (PIP)
- Uninsured motorist coverage – $25,000 per person, $50,000 per crash for bodily injury
Insurance verification is required to register your motorcycle or if you buy a light vehicle trip permit. As long as your motorcycle is registered in your name, you must meet Oregon’s motorcycle insurance minimums to operate your motorcycle in Portland or anywhere in the state.
Important Advice for Motorcycle Owners in Portland
As Portland’s premiere motorcycle accident attorneys, Berkshire Ginsberg, LLC want to ensure our motorcycle riders have the amount of insurance coverage they need. The minimum
insurance requirements are not sufficient for most motorcyclists. Our firm recommends that all motorcyclists purchase considerably higher amounts of Uninsured/Under-Insured (UM/UIM) coverage to provide necessary coverage in the event they are involved in a hit-and-run collision or a crash by an uninsured or under-insured driver. Unlike car drivers who must consider their car insurance as coverage for the damage caused by them, motorcyclists must consider their motorcycle insurance as coverage for themselves.
Additional Types of Insurance a Motorcycle Owner Should Carry
Motorcycle insurance offers a bare-minimum $5,000 medical payment provision, so we encourage motorcycle riders to have a good health insurance policy as well as disability insurance to reimburse lost wages if your injuries require time off of work.
Portland Motorcycle Accident Attorneys
If you have questions about a motorcycle accident claim or about how you can file a personal injury claim, contact
the Portland law firm of Berkshire Ginsberg today.