Harbor Springs Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in Harbor Springs

• Minimum Liability Limits in Harbor Springs, MI: 20/40/10 ^[2]
• • 20  Required coverage up to $20,000 for one individual injured in an accident
  • 40  Required coverage up to $40,000 for all persons injured in an accident
  • 10  Required coverage up to $10,000 for property damage in an accident

• Insurer Verification of Insurance in Harbor Springs ^[2]
• • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Harbor Springs Motorcycle Insurance Liability Requirements

Mandatory motorcycle insurance coverage for riders in the state of Harbor Springs, MI.

• Motorcycle Insurance Requirements in Harbor Springs ^[2]
• • Bodily injury liability coverage
  • Property damage liability coverage
  • Personal injury protection coverage

Motorcycle Helmet Laws in Harbor Springs

• • Motorcycle helmets required for 20 and younger. ^[3]

Motorcycle License Regulations in Harbor Springs, MI ^[3]

Detailed information about Harbor Springs laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

• Motorcycle License Laws in Harbor Springs
• • A person, before operating a motorcycle upon a public street or highway in this state, must procure a motorcycle endorsement on the operator's or chauffeur's license.
  • Before a person who is less than 18 years of age is issued an original motorcycle endorsement on an operator's or chauffeur's license, the person must pass an examination and a motorcycle safety course.
  • A person, before operating a moped upon a highway, must procure a special restricted license to operate a moped unless the person has a valid operator's or chauffeur's license. A special restricted license to operate a moped may be issued to a person 15 years of age or older if the person satisfies the Secretary of State that he is competent to operate a moped with safety.

Motorcycle Equipment Laws in Harbor Springs, MI ^[3]

Various regulations and laws in Harbor Springs regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

• Motorcycle Equipment Laws in Harbor Springs
• • A person under age 21 operating or riding on a motorcycle on a public thoroughfare shall wear a U.S. DOT approved crash helmet. Persons age 21 and older must wear a helmet unless they have had a motorcycle endorsement for at least 2 years or have passed a motorcycle safety course, and have $20,000 in insurance.
  • Eye protection required by law unless equipped with windscreen and is required at speeds over 35 mph.
  • A motorcycle must be equipped with adequate seats and foot rests or pegs for each designated seating position.
  • Handlebars may not be higher than 15 inches from the lowest point of the undepressed saddle to the highest point of the handle grip of the operator.
  • There is no passenger age restriction in Michigan.