The Mountain State is home to countless mountain-traversing motorcycle riders, as the state falls entirely within the Appalachian Mountain range and has an average elevation of 1,500 feet above sea level. Before you take your bike on the road in West Virginia, talk to your insurance agent about getting sensible and money-saving motorcycle insurance quotes for your bike.
West Virginia's Compulsory Insurance Law requires registration of motorcycles in addition to registration of four-wheeled passenger vehicles; therefore, any Mountain State resident who wishes to register and operate a motorcycle must establish financial responsibility.
The only way to establish financial responsibility for your motorcycle is to purchase liability coverage from an insurance carrier licensed to do business in West Virginia.
Whether you drive dirt bikes, hogs, sport bikes, choppers, street cruisers, mopeds or scooters, chances are the perfect insurance policy exists for your particular tastes in motorcycles.
West Virginia defines two-wheeled vehicles as follows:
The West Virginia DMV suggests checking your cycle for a Federal Motor Vehicle Safety Standards sticker. If your cycle has this sticker, chances are you need to register and insure it.
If you plan to operate your motorcycle on Mountain State roads, you must register it and purchase liability coverage for it. West Virginia laws stipulate that coverage must meet the following minimum requirements:
Purchasing the minimum liability insurance requirements puts you in the clear with the state, but keep in mind you may want – or need – additional types of coverage to make sure you’ve fully protected your cycle and met the requirements of any lienholder.
As a motorcycle owner, there are several instances when you’ll need to show proof of your liability coverage:
You can provide acceptable proof of motorcycle insurance when you show the DMV or a law enforcement officer the valid insurance card your carrier issues you.
In some cases, you may be able to show your insurance policy’s declarations page or a certified letter from your carrier, but it’s best to verify this with your local DMV office before relying on either one as proof.
Most West Virginia insurance companies have a wide variety of coverage to choose from for your motorcycle insurance policy:
If you're in an accident, there's a good chance someone else was involved. And if you're at fault, you'll want high limits for liability on your motorcycle insurance.
Much like traditional car insurance, coverage for motorcycles varies depending on a number of factors. When you go through the underwriting process, the quotes you find will measure the following:
You will often receive a discount on insurance if you insure your bike with the same carrier as your vehicle, but shop around.
Aside from saving on gas, riding your bike comes with another benefit: often, insurance for a cycle costs significantly less than for a car.
Whether you use your motorcycle to take in the beauty of The Midland Trail near Charleston, West Virginia or you drive it to work and home in Parkersburg, insuring your bike against damage and injuries takes just minutes. Contact a knowledgeable Trusted Choice® independent insurance agent to find affordable motorcycle insurance quotes. Take pride in your bike. Protect it.