Can You Insure a Motorcycle With a Permit? | Bikers Have Rights

Riding a bike is one life’s simplest pleasures, but owning this beautiful piece of engineering is anything but easy. Complex insurance laws and licensing requirements can turn this hobby into a headache. If you’re wondering, “Can you insure a motorcycle with a permit?”, then you’ve come to the right place. In this article, the contributors at Biker’s Have Rights discuss what you can and can’t do with a motorcycle learner’s permit.

If you were injured in a motorcycle crash and don’t have insurance, you may still be entitled to compensation. Brad Tabakin is a motorcycle accident attorney who has spent his career representing bikers in court and during negotiations with insurers. Contact us today at 877-333-0300 to schedule a free consultation, and visit our Facebook page for more news from the Bikers Have Rights community.

What Is a Motorcycle Permit?

Unless you already have a driver’s license, chances are you will need to first obtain a permit before you are legally allowed to ride a motorcycle. To do so, you must file an application and provide proof of address along with your identification documents. You will also need to pass a written motorcycle knowledge test and a vision test.

While you can now ride a bike, as a permit holder you must adhere to certain restrictions. For example, in New Jersey, you cannot travel on state toll roads, transport passengers on your bike, or ride your bike at night. 

Can I Purchase Motorcycle Insurance With a Permit?

Not only is it legal to purchase insurance with a permit, it’s also required —by law— to purchase coverage for your motorcycle before taking to the road. If you’ve passed your motorcycle permit test, you should insure your bike as soon as possible. In New Jersey, if you’re caught driving without motorcycle insurance, you could be fined up to $500 and serve jail time. 

What Are the Motorcycle Insurance Laws in New Jersey/Pennsylvania?

In New Jersey, riders must carry a minimum of $30,000 per accident and $15,000 per individual of liability coverage. However, while these amounts will cover minor injuries in a collision, they will almost always fall short in a serious crash. Experts recommending increasing these limits to $300,000 and $100,000 respectively. In Pennsylvania, you must carry the same amount of liability insurance but must also purchase an additional $5,000 in property damage coverage.

Speak to a Motorcycle Accident Attorney Today

If you have any questions about motorcycle insurance or were involved in an accident while out riding, you could benefit from speaking to a dedicated motorcycle accident attorney. Brad Tabakin is a personal injury lawyer and motorcycle enthusiast who has spent his life fighting for and defending bikers’ rights. Contact us today at 877-333-0300 to discuss your motorcycle accident claim with Brad.