Motorcycle Insurance

Why Get Motorcycle Insurance in Indiana
Motorcycles are undeniably a pleasure to drive. But given their relative light weight and small size, an accident involving a motorcycle can cause serious injury and damage to both the driver and the vehicle. For this reason, it is extremely important to drive safely at all times and to have adequate motorcycle insurance coverage. The National Safety Council of Indiana conducted a study which revealed that one person is seriously injured in a motorcycle-related accident every fourteen seconds. With odds like that, motorcycle insurance seems like a really good bet!

Motorcycle Riding in Indiana
In Indiana, a motorcycle is defined as a motorized vehicle with no more than three-wheels and a seat or a saddle. Motorized bikes and tractors are excluded. In Indiana, motorcycles are subject to the same regulations as far as registration, titling, and insurance requirements as are automobiles.

In contrast to other states, residents of Indiana with a valid Indiana driver’s license are allowed to add a motorcycle endorsement to their licenses. All applicants who want a motorcycle learner’s permit must take the following assessments:

  1. Standard Vision Screening Test
  2. Knowledge Examination covering information from the Motorcycle Operator’s Manual

All applicants must pass these tests in order to receive an Indiana’s Motorcycle Learner’s Permit which is valid for one year. To be able to drive a motorcycle legally in Indiana, drivers must comply with the following:

  1. Motorcycle learner’s permit held for at least 30 days
  2. Proof of passing a motorcycle road skills test or completion of an approved motorcycle safety course
  3. Passing a Standard Eye Screening Test
  4. Proof of Identification showing name and date of birth
  5. Social security number (SSN)
  6. Proof of insurance

Minimum Insurance Requirements in Indiana
Indiana requires all motorcycle operators to purchase liability insurance coverage. To drive legally within the state, you must have at least the minimum amount of coverage as mandated by the state of Indiana. These minimum coverage amounts are:

  • $25,000 for bodily injury of one person
  • $50,000 for bodily injury of all injured parties
  • $10,000 for property damage in one accident

There are two others ways to fulfill these requirements besides purchasing liability coverage from state-licensed insurance companies. These are:

  • A Cash Deposit of not less than $40,000
  • A Liability Bond

Indiana