Essential Motorcycle Insurance Coverage to Purchase In North Carolina

Essential Motorcycle Insurance Coverage to Purchase In North Carolina Robert armstrong personal injury attorney north carolina

If you own a motorcycle in North Carolina, you must have it insured, according to state law.

The minimum coverage you can have on your motorcycle in North Carolina is liability.

What are the mandatory motorcycle insurance coverage requirements in North Carolina?

Here are the mandatory insurance requirements for motorcycles in North Carolina:

  • $30,000 for bodily injuries or death to one person in a single accident.
  • $60,000 for bodily injuries or deaths to more than one person in a single accident.
  • $25,000 for property damage occurring in a single accident.

When you’re shopping for motorcycle insurance, remember that these requirements are the minimum coverage by law. You can add more coverage if you believe you need it.

What are the optional coverage options for motorcycles?

Aside from liability insurance, most insurance companies that write motorcycle policies will offer other types of optional coverage that will give you added protections for damages and injuries you might incur if you are ever in a motorcycle accident. These include:

  • Collision – This will cover damage to your motorcycle if you are in an accident and it is your fault. For damages to your motorcycle after and accident.
  • Comprehensive – This is for any damages to your motorcycle that could happen that are not related to an accident.
  • Medical payments – If you are ever in a motorcycle accident and it is your fault, this type of coverage will help to pay your medical bills if you’re injured. Please note that Medical payments is not an option in North Carolina for motorcycles.
  • Towing and labor – If your motorcycle breaks down on the side of the highway, this type of coverage will make sure you get roadside assistance.
  • UM/UIM – Uninsured and Underinsured Motorist coverage to protect you in the event that the other vehicle that caused the wreck either has NO insurance (UM) or is Underinsured (UIM). In that case you can make a claim on your own policy to get the compensation that you deserve. This is perhaps THE MOST IMPORTANT COVERAGE that a rider can buy. It will protect you!

Even though the state keeps track of whether you have insurance through insurance companies that notify the DMV if there’s a lapse in coverage, you are still required by law to show proof of insurance if asked by law enforcement. All you have to do is keep your current insurance card on you at all times.

What are the penalties if you fail to maintain proper insurance for your motorcycle?

Now that you know what kind of insurance coverage you need, what can happen to  you if you fail to keep proper insurance on your motorcycle?

Well, that depends:

  • First, your insurance company will let the DMV know that you don’t have current insurance.
  • Once that happens, a Form FS 6-7 notice will be sent to you.
  • If you did, in fact, have a lapse in your insurance coverage, you must show proof of your current coverage, pay the fine implemented by the DMV and mail it back to the department within a certain number of days of the date listed on the form.
  • If you fail to do the above, your license plates will likely be suspended for a month.
  • If that happens, you’ll have to wait the 30 days, then go to the DMV and clear things up, while likely paying a heftier fine.

If you or someone you love has been in a motorcycle accident, contact Robert Armstrong’s office today for help.

How is liability determined in a motorcycle accident

motorcycle accident attorney Robert armstrong personal injury attorney north carolina

Motorcycle accident cases are typically more complicated than other vehicle accident cases, mostly because the injuries for the motorcycle driver are more severe and there are several factors associated with driving a motorcycle.

These elements include:

  • Road hazards: Flying trash, small animals and other everyday road hazards are far more dangerous for motorcycles than they are to other vehicles.
  • No protection between you and the elements: When a person inside a vehicle gets into an accident, there’s a barrier between the person and the road. That’s not the case when you’re on a motorcycle.
  • Less visibility: When you ride a motorcycle, you’re less likely to be seen by other drivers than if you were in a vehicle.

How is liability determined in a motorcycle accident?

Liability in most motorcycle accidents is based on the law of “negligence.”

Someone is deemed negligent when he fails to exercise ordinary care or that degree of care that a reasonably prudent person would exercise. It’s behavior that injures another person. You can be ruled as negligent if you hit and injure the following:

  • Other motorists
  • Passengers
  • Pedestrians
  • Anyone else you might encounter on the road

If a driver was not being careful and someone got hurt because of it, the driver will be held liable.

A lot of motorcycle accidents are the fault of other drivers, but sometimes, the motorcycle rider is to blame.

What are the elements of negligence?

A negligence claim involves four key elements. The plaintiff must prove the following:

  • The law mandated that the defendant (the person being sued) was to act  reasonably careful.
  • The defendant was not careful. That is calculated by basing the defendant’s behavior to that of  a “reasonable person.”
  • Did the defendant cause the plaintiff’s injuries?
  • Was the plaintiff injured? Did the plaintiff have losses (monetary, time off work, loss of quality of life, etc.)? If no one was hurt, then there’s nothing to try to recover in court or through an insurance settlement. That’s true even if the person who caused the accident acted carelessly.

What should you do if you’re in a motorcycle accident?

If you are in a motorcycle accident that was caused by someone else, you should contact an attorney immediately. You should also take the following actions if you are able to:

  • Take notes and pictures: What do you remember about the accident? Write down every little detail that comes to mind: who, what, when, where, why. Who was at the scene? How many police officers? How was the weather? Did you take pictures of the scene and damage to your motorcycle or the other vehicle involved?
  • Log your injuries and losses: You should report your injuries to your medical provider and your insurance company, but you should also keep a personal record of them. Take as many photographs as possible.
  • Record your conversations: You should try to keep a record of every conversation you have that’s related to the accident, whether it’s with your insurance company, the responding police officer or the person who caused the crash.


If you or someone you love was in a motorcycle accident, contact the offices of Robert Armstrong today.