Motorcycle Insurance Providers in Morgantown, KY
Morgantown, KY Motorcycle Insurance
Motorcycle Insurance Coverage Requirements in Morgantown
- Minimum Liability Limits in Morgantown, KY: 25/50/10 [2]
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- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 10 Required coverage up to $10,000 for property damage in an accident
- Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
- Insurer Verification of Insurance in Morgantown [2]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Morgantown Motorcycle Insurance Liability Requirements
Mandatory motorcycle insurance coverage for riders in the state of Morgantown, KY.
- Motorcycle Insurance Requirements in Morgantown [2]
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- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage
Motorcycle Helmet Laws in Morgantown
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- Motorcycle helmets required for 20 and younger. [3]
Motorcycle Insurance Laws & Regulations in Morgantown, KY
Motorcycle License Regulations in Morgantown, KY [3]
Detailed information about Morgantown laws and regulations regarding obtaining and maintaining a motorcycle license in the state.
- Motorcycle License Laws in Morgantown
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- Any person who already possesses a valid intermediate driver's license, or who is at least 18 years old, may apply for an instruction permit to operate a motorcycle. A motorcycle instruction permit is valid for 1 year.
- An applicant for a motorcycle license must pass a roadside demonstration test.
- Motorcycle rider training courses are provided free of charge to applicants under 18 years of age.
- Successful completion of an approved rider training course, which includes a minimum of 8 hours of hands-on instruction, permits exemption from the licensing skill test for motorcycle license applicants.
Motorcycle Equipment Laws in Morgantown, KY [3]
Various regulations and laws in Morgantown regarding riders and passengers of motorcycles, as well as the equipment used on bikes.
- Motorcycle Equipment Laws in Morgantown
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- Any rider under the age of 21, or any person operating a motorcycle with an instruction permit, or any person who has held a motorcycle license for less than 1 year must wear a safety helmet. Riders 21 and older may ride without a helmet if they can provide proof of a medical insurance policy.
- All persons operating a motorcycle must wear protective eye gear.
- Passengers must use a footrest permanently attached to that vehicle and specifically designed to carry that person in a safe manner.
- Every motorcycle or moped must be equipped with at least 1 headlamp.
- All motorcycles must be equipped with a rearview mirror.
Rider & Driver Facts in Morgantown, KY
Morgantown Accident Reporting Regulations
- Accident Reporting in Morgantown [3]
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- Crashes are required to be reported in cases or death, injury, or when property damage exceeds $500.
- The deadline to file a report is 10 days.
Morgantown Highway Facts
- Speed Limits in Morgantown [2]
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- Rural interstates: 65 mph (70 mph on specified segments of road)
- Urban interstates: 65 mph
- Other roads: 55 mph
- Consumption of Motor Fuel in KY [4]
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- Kentucky ranked 25th in the U.S. in 2011 in total motor fuel consumption.
Morgantown Motorcycle Registrations
- Registered Riders in KY [5]
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- In 2012, Kentucky totaled 100,506 motorcycles registrations.
- This number ranks 28th in the United States by state (including Washington, D.C.).
- Note: KY ranked 26th in the nation in total auto registrations (all vehicle types) in 2011.
Additional information about Kentucky
About Morgantown
The city of Morgantown (Kentucky) has an approximate population of 2,394 and is located in Butler County. [6]
Morgantown, KY Motorcycle Insurance
To learn more about about Motorcycle Insurance in Morgantown, or for additional resources related to Morgantown Motorcycle Insurance, visit the Kentucky Department of Insurance.
Did you know?
The number of miles you typically ride per a year and where you store your bike can directly affect your motorcycle insurance rates.
1. ^ Property Casualty Insurers Association of America (PCIAA)
2. ^ Insurance Institute for Highway Safety (IIHS)
3. ^ AAA Digest of Motor Laws and/or Kentucky DOT
4. ^ U.S. Department of Transportation
5. ^ Federal Highway Administration
6. ^ United States Census Bureau (2010)
