Trestle Insurance Agency Inc. is here to help Evansville, IN residents understand their insurance duties. For example, motorcycle riders are often confused about whether they need policies at all. As a result, it’s essential to know what can happen if you don’t have a policy in place.

Indiana Does Require Policies

According to Indiana state law, a motorized vehicle that has up to three wheels (including any side cars) must be registered, titled, and insured like regular vehicles. They’re essentially the same as passenger vehicles, such as cars and trucks, and must be protected in various ways.

Typical requirements include coverage for property damage, underinsured and uninsured protection, and other liability protection. All riders under 18 must wear helmets on motorcycles, which can impact your policy if you ride with children but don’t protect them.

What Happens If You Don’t Have One

Cyclists who try to get away with driving without a license will face serious legal issues. For example, they might get their registration or even their license suspended. These include 90-day suspensions for the first offense and up to a year for future lapses or insurance fails.

If this happens to you, expect to pay $150 for your first offense, $225 for your second, and $300 for all subsequent offenses. You must also show proof that you have the minimum coverage. In other words, it’s simply smarter to pay for your policy. It’s not worth the risk.

Talk to Us to Learn More

At Trestle Insurance Agency Inc., we help Evansville, IN bike owners get the policy protection they need to avoid long-term legal issues. Call us if you’re interested in owning a motorcycle or don’t have coverage. The risk is not worth the little money you save.