Is Motorcycle Insurance Necessary in West Virginia?

The simple answer is yes.  Just like your auto, the state of West Virginia requires that you carry at least the minimum liability coverage on your bike.  The agents at Curtis Miller Insurance can help you get the coverage that you need.  Serving the Parkersburg, WV area, they can make recommendations on the types of coverage that you may need, beyond liability insurance, based on your travel habits and motorcycle usage.  For instance, weekend warriors need insurance on their bikes but the type and amount of coverage may differ from someone who uses their bike every day as their primary mode of transportation.  That’s where the advice from the agents at Curtis Miller Insurance is invaluable.

The state of West Virginia has two definitions for two-wheeled vehicles.  A ‘motorcycle’ is defined as a two-wheeled vehicle with a motor that is more than 55 cc.  These must be registered and covered by minimum liability insurance.  If the bike’s motor is 55 cc or less, the state generally considers these to be scooters or mopeds.  Generally, these bikes do not need to be registered or meet liability insurance standards.  If you have a moped or scooter, it is prudent to talk with your agent and local DMV to ensure that your bike is exempt from the state insurance requirements.

The agents at Curtis Miller Insurance are your partners.  They have worked with many residents in the Parkersburg, WV area and are ready to serve your insurance needs.  They may recommend coverage beyond the state-mandated liability insurance.  It is important to consider their advice and ask questions until you fully understand what is available to you.  Their team works to ensure that you are protected when you hit the open road.