Is this true? Why would a motorcyclist not be required to have — at a minimum — liability insurance?
I’m sure this is going to be surprising to a lot of people if it is in fact true. — Lonnie Scott, Gig Harbor
When the Washington law (RCW 46.30.020) was passed, more than 20 years ago, several states had similar motorcycle exemptions. Now only Montana, New Hampshire and Florida have similar laws.
While Washington does not require motorcyclists to carry insurance, they still must comply with the state's financial responsibility law, which says you need to be financially responsible for damages caused if you’re at fault. And, as your co-worker noted, if the motorcycle owner has a loan for his or her bike, the lender will almost certainly require liability insurance.