Like automobiles and trucks, motorcycles require insurance to drive legally on the roads in and around Vernal, UT. In Utah, you must register your motorcycle and carry liability insurance. Perry Insurance Agency created this quick guide to help you determine if your vehicle legally requires insurance.
Utah law defines a motorcycle as a two- or three-wheeled vehicle with a 40 cc engine or larger. The insurance requirement applies to motorcycles, scooters, and trikes, but not tractors. It utilizes the term motor-driven cycle to address vehicles of less than 150 cc and five horsepower or less. It does not apply to self-propelled scooters. To legally operate a motorcycle on Utah roads, you must carry a liability policy with the following minimum per accident coverages:
- $15,000 property damage
- $25,000 bodily injury per person
It also must provide $65,000 in bodily injury per accident. Utah also requires each driver carry at least $3,000 in Personal Injury Protection to cover your medical injuries in a no-fault accident. Driving without insurance carries a potential penalty of a suspended license and registration and a minimum fine of $400.
Although not required by law, you may also purchase additional coverage. Insurance types available for motorcycles in Utah include:
- Uninsured Motorist Insurance – Property Damage which covers damages to your cycle when the driver at fault carries no liability insurance.
- Uninsured Motorist Insurance – Bodily Injury which covers medical bills for you and your passenger when the driver at fault doesn’t carry liability insurance.
- Underinsured Motorist Insurance – Bodily Injury which covers medical bills for you and your passenger when the driver at fault doesn’t carry sufficient liability insurance.
- Collision Coverage which covers damages from a collision with a vehicle or stationary object.
- Comprehensive Coverage which covers losses from weather, vandalism, theft, etc.
Let Perry Insurance Agency in Vernal, UT help you determine your motorcycle insurance needs. We can help you stay legally on the road in over 24 states.