{"id":658,"date":"2024-11-29T04:00:00","date_gmt":"2024-11-29T10:00:00","guid":{"rendered":"https:\/\/www.oliverinsurance.net\/blog\/?p=658"},"modified":"2024-11-12T16:22:46","modified_gmt":"2024-11-12T22:22:46","slug":"do-all-motorcycles-and-scooters-need-insurance","status":"publish","type":"post","link":"https:\/\/www.oliverinsurance.net\/blog\/do-all-motorcycles-and-scooters-need-insurance\/","title":{"rendered":"Do All Motorcycles and Scooters Need Insurance?"},"content":{"rendered":"<p>State traffic laws and insurance requirements differ for scooters, mopeds, and motorcycles, though we define Oregon&#8217;s requirements below. Likewise, insurance companies use different methods to define and price insurance for two- and three-wheeled vehicles. If you live in or near Canby, OR, and have motor vehicle or other insurance questions, contact the Oliver Insurance team for assistance.<\/p>\n<h2>Motorcycles, Mopeds, and Scooters<\/h2>\n<p>State laws vary in how they handle scooters, mopeds, and motorcycles, including whether:<\/p>\n<ul>\n<li>They can use public roads<\/li>\n<li>Distinguish the vehicle types legally<\/li>\n<li>They separate vehicle types on top speed, engine size, or engine location<\/li>\n<\/ul>\n<p>Oregon defines motorcycles and mopeds as vehicles with three or fewer wheels contacting the ground and a seat or saddle for the rider. A moped cannot have the capability of exceeding 30 mph on level ground, and if it has a combustion engine, it must be 50 CCs or less. Scooters that do not meet those definitions do not require insurance.<\/p>\n<p>The State of Oregon does not distinguish the insurance requirements for automobiles, motorcycles, or mopeds. Owners of motor vehicles operating on public roads must have insurance coverage with 25\/50\/20 minimum limits, meaning the policy liability must cover at least the following:<\/p>\n<ul>\n<li>$25,000 per injured person<\/li>\n<li>$50,000 per accident<\/li>\n<li>$20,000 property per accident.<\/li>\n<\/ul>\n<p>Owners also need uninsured motorist coverage of $25,000 per person and $50,000 per collision for bodily injury.<\/p>\n<p>Insurance companies also differ in whether and how they distinguish the two-wheeled vehicle types, so shop around or use an independent agent like Oliver Insurance to find the coverage that meets your needs.<\/p>\n<h2>Insuring Your Motorcycle with Oliver Insurance<\/h2>\n<p>The Oliver Insurance team serves the Canby, OR, area. We can help with your motorcycle, moped, or other insurance needs, so call (503) 266-2715 to schedule an appointment.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>State traffic laws and insurance requirements differ for scooters, mopeds, and motorcycles, though we define Oregon&#8217;s requirements below. Likewise, insurance companies use different methods to define and price insurance for two- and three-wheeled vehicles. If you live in or near Canby, OR, and have motor vehicle or other insurance questions, contact the Oliver Insurance team [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[29,48,23],"class_list":["post-658","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-canby-or","tag-motorcycle-insurance","tag-oliver-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/658","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/comments?post=658"}],"version-history":[{"count":1,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/658\/revisions"}],"predecessor-version":[{"id":659,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/658\/revisions\/659"}],"wp:attachment":[{"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/media?parent=658"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/categories?post=658"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/tags?post=658"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}