Motorcycle drivers must have liability insurance under new law that goes into effect July 28

July 18, 2019

Consider this your 10-day warning, motorcycle drivers. As of July 28, 2019, you will no longer be exempt from Washington state’s mandatory auto insurance law.

Under a bill signed into law earlier this year, motorcycle drivers must obtain liability coverage and carry proof of insurance – long required of other motorists.

If you operate a motorcycle or other vehicle without the required insurance, you could be cited for a traffic infraction and receive a hefty fine. Further, if you’re at fault in a collision and you don’t have insurance, your license may be suspended if you fail to pay the resulting damages and/or injuries.

Operators of motorcycles or other vehicles required to be registered in Washington must act on one of the following four options:

1. Carry liability insurance with liability limits of at least:

  • $25,000 for bodily injury or death to another person
  • $50,000 for bodily injury or death to all other people
  • $10,000 for damage to another person’s property

2. Apply for a certificate of deposit to pay for your liability insurance

3. Have a liability bond of at least $60,000 filed by a surety bond company that is authorized to do business in Washington

4. Self-insure if you have 26 or more vehicles

Get details at the Department of Licensing website.

Exceptions to the new law:

  • Motor scooters and mopeds
  • Horseless carriage vehicles over 40 years old
  • State or publicly owned vehicles
  • Common or contract carriers with the Washington Utilities and Transportation Commission

When you drive a vehicle in Washington that is required to be registered in another state, you must have the type of insurance required by that state. You must also be able to provide proof of this insurance to law enforcement if requested.

Find more information at the Office of the Insurance Commissioner website. There, you can browse licensed agents and brokers and check the status of their license.


Consumer Alert: Beware of Bogus Phone Claims

September 11, 2012

 A Washington resident tells us that a company recently called him to say it had learned from the “DMV” that he was paying too much for auto insurance. 

Rest assured, the Department of Licensing keeps no record of the amount you pay for insurance.

In fact, whenever a company tries to sell you something by claiming to have DOL data, it should raise red flag.  That’s because we don’t release data for marketing purposes.

However, we do have a sincere interest in protecting you from bogus claims and possible scams. 

For example, earlier this year, several websites emerged offering to help provide driver licenses for a fee.  While those websites might appear to be official, they are NOT affiliated with the Washington State Department of Licensing.  And unlike those websites, DOL never charges a fee for customer service or for the use of any of our forms.

Here’s the video we produced earlier this year regarding those questionable websites; showing yet another example of how suspect companies are trying to take advantage of consumers.