How can so many unlicensed motorcyclist get insurance?

Question

When unlicensed and your in an accident, does your insurance cover?? I know a lot of bikers without their licenses.

Answer 1

For years I have fought getting my M endorsement , I had logged over 200,000 miles before that law even came into effect in Idaho. Insurance was never an issue, I have been with the same company for going on thirty years. I am sure that if I had ever gotten into an accident that was my fault then they would have paid (how ever I can not prove it because I wasn't). How ever when I was rear-ended by a car I received the insurance check within two weeks from the other guys insurance company. This year I broke down and went and got my endorsement. I must be getting old and soft.

PS I just turned my Harley over giving me 500,000 miles on scooters

Answer 2

You can get insurance on any thing without a license. You can get insurance on a bicycle. If you get in an accident without a drivers license, like Flingford said, insurance companies will find a way to not cover you for doing something illegally.

Answer 3

Because you don't have to have a licence to own a motorcycle. More than likely though those motorcyclist you know have at least a permit. I've been told that because there are so few motorcycles on the road and that motorcycles are consider recreational vehicles that you are not required to have a licence to own a bike. I rode for two years on a permit just because the skills test for SC was just to hard. Once the SCDMV started allowing people to wave the skills test if the took the MSF course I got mine. There were people in my class that had been riding on permits for 18 years.

And BTW if I had been in an accident my insurance would have paid if I was at fault.

Answer 4

A lot of bikers get a charge out of riding illegally. Whoo. Hoo. Lookit me, ma. No papers.
Also, insurance companies are in business for the bucks. They are not the collection agency for the local government (tags) or the enforcement agency for the cops (licensing). So you'll see guys cruising around with dealer tags more or less permanently on their bikes, and licenses that have expired or never been certified.
Again. It is a thrill for them, because the cost is minimal.

Answer 5

State Farm Insurance does in fact need proof of the bike endorsement and will offer a discount if the operator has completed an MSF safety course. All insurance companies should require proof of the endorsment.

Answer 6

You might have insurance because you own a bike (as others have said), but if you are breaking the law the insurance company will not cover you in an accident!

Answer 7

because most places if you got the vin number you can get insurance over the phone