Insurance is a requirement in Missouri for drivers of not only cars but motorcycles. Arlene Lear Insurance in Bolivar and Humansville tailors motorcycle insurance policies to clients throughout the state’s southwestern region to ensure they have the coverage they need. Their agents want you to understand the particulars of your plan and explain what you need to know about it.

5 Facts About Motorcycle Insurance in Missouri

1. It’s a Requirement

If your motorcycle can’t go faster than 30 mph, you might not need insurance. Otherwise, all such vehicles in the state must be registered and insured. Even a scooter belongs in this category.

2. Your Policy Must Meet Minimum Standards

Policy limits for motorcycle insurance can vary, but your plan must meet Missouri’s minimum standards to register your bike in the state. This includes $10,000 coverage for property damage and $50,000 coverage for bodily injury or death.

3. You Must Wear a Helmet

Wearing a helmet is not optional for riders in Missouri — it’s required by law. Therefore, you won’t get a discount on your motorcycle insurance for wearing a helmet. However, you are likely to be fined if you get caught riding your motorcycle without one.

4. You Must Carry Proof of Insurance

When you register your motorcycle, you have to sign an affidavit stating you will keep your insurance coverage current while the motorcycle is registered. You must carry proof of insurance when you ride and provide it upon request.

5. You Will Pay a Penalty Without It

If you can’t show proof of insurance when an officer asks for it, you could incur severe penalties. The state might put you under supervision, add four points to your driving record, or suspend your license. If you ride without insurance coverage, the results are more severe — your license will be suspended and you will face a substantial fine.

Don’t ride without motorcycle insurance — Call Arlene Lear Insurance at (417) 777-3000 for their Bolivar office or (417) 754-8377 for their Humansville location to request a quote. You also can contact them on their website, where you’ll find more information about how they also can help you lower your premiums for auto insurance and homeowner’s insurance. Check their Google+ page for additional advice from their agents.