Kitsap County motorcycle accident cases are on the rise. Serious motorcycle accidents have occurred in Bremerton, Gorst, Port Orchard, Kingston and many other Kitsap cities just in the last three months. This summer, laws went into effect that require all motorcyclists to have insurance. Prior to this, motorcycle insurance was optional. Here are the notes on the new insurance laws and some advice on how to minimize your damages when you are involved in a motorcycle accident.
First, the law requiring motorcycle insurance went into effect on July 28, 2019. From here on forward, you MUST have insurance coverage when operating a motorcycle. The required MINIMUM insurance is as follows:
- $25,000.00 for injuries or death to another person
- $50,000.00 for injuries or death to all other people
- $10,000.00 for damage to another person’s property
Now, Altman Law Offices HIGHLY recommends that in addition to the minimum required, ALL motorcyclists should purchase Uninsured Motorist coverage. This coverage will protect you if you are hit by a vehicle that is uninsured or if you are hit by someone carrying minimal or low limits. You can read more about uninsured motorist coverage here.
Recently, we have had multiple motorcycle accident clients severely injured and, in some situations, the at-fault driver had the minimum coverage of only $25,000.00. If you suffered a fracture or torn ligament and a surgery is required, this coverage doesn’t go very far and the ONLY way to protect yourself from this situation is to have significant coverage that includes underinsured or uninsured motorist coverage. If you don’t know what your coverage is, contact your agent as soon as possible.