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are family.
Everett  (425) 745-3366
Lynnwood  (425) 775-5811
Everett
9101 Evergreen Way
Everett, WA 98208
Lynnwood
2027 196th St SW, #R-6
Lynnwood, WA 98036

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Motorcycle and Off-Road Vehicle Insurance

For some strange reason, the State of Washington does not require motorcyclists to carry insurance, not even basic liability like that required for vehicles. The logic is that there are fewer motorcycles on the road and the comparative size of a biked in comparison to a car is much smaller. However, this logic is foolhardy!  

Though a motorcycle is smaller, it can cause significant physical damage to a vehicle. A rider can also be liable for other vehicles damaged in an accident even if their motorcycle doesn't directly cause the damage (such as five cars piling into each other to avoid a bike). Even small collisions can cause thousands of dollars of damage and without insurance, a motorcyclist could be on the hook for all it.  

Though a passenger in an auto is obviously better insulated from an injury in an accident than the biker, this doesn't preclude them from getting injured. A motorist can be injured even in a low speed collision with a bike and without insurance, it doesn't take many medical bills to ruin someone financially. The other scenario that is forgotten in this logic is the liability of a motorcyclist hitting a cyclist or pedestrian. And the notion that a motorcyclist can avoid getting into an accident because of the superior handling of a bike is pure stupidity.

The cost of motorcycle insurance is direct reflection of the horsepower. Most motorcycles are very reasonable to insure. High performance bikes, on the other hand, can be quite expensive in comparison. It is best to investigate the cost of insurance prior to purchasing a bike.

One of the other aspects that is often missed on motorcycles is the ridiculously high cost of parts and repairs. Statistically, motorcycles are stolen at a higher rate than autos. Carrying collision and comprehensive coverage on most bikes is financially practical in comparison to auto insurance.  

It should come as no surprise that medical coverage for the rider and passenger on a motorcycle policy is expensive. Whereas the medical on auto insurance is usually one of the smaller budget items, it is typically the most expensive coverage on a bike. One should carefully exam their own healthcare coverage and financial situation when selecting the level of medical coverage on a motorcycle policy.

Another unique aspect of motorcycles is the amount of possible aftermarket equipment, such as saddle bags, sound system, GPS, communication devices, etc. As a general rule, if the equipment is permanently mounted where the manufacturer intended it or it came installed on the bike from the dealer, it is covered as part of the bike under collison and comprehensive. Otherwise, you will want to add coverage for optional equipment.

For a lot of the same reasons discussed above, people don't often think about insuring off-road vehicles, whether it be a dirt bike, ATV, dune buggy, etc. These policies are very reasonable, again depending on the performance of the given toy. In most cases, the cost of liability, collision and comprehensive are a bargain compared to the potential liability of running into someone on the trail or damage to the vehicle and equipment from a spill. Contrary to popular believe, most home policies offer very little coverage for off-roading.

Safety classes, advance certifications and rider organizations can provide discounts for a motorcycle policy and can go a long way to making you a safer rider!

When your off-road is off the road

• Most riders, at least in the Pacific NW, ride seasonally. Some policies will allow you to "suspend" coverage during the winter months so that you are only paying for comprehensive coverage (acts of nature, theft, vandalism) when the bike is parked. A few words 
about Liability

"This is simply the best insurance agency! If you have your insurance elsewhere, you owe it to yourself and your family to move to Family First. You won't regret it!" 
Chris