Motorcycle Insurance Providers in Otsego, MI
Otsego, MI Motorcycle Insurance
Motorcycle Insurance Coverage Requirements in Otsego
- Minimum Liability Limits in Otsego, MI: 20/40/10 [2]
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- 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 Otsego [2]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Otsego Motorcycle Insurance Liability Requirements
Mandatory motorcycle insurance coverage for riders in the state of Otsego, MI.
- Motorcycle Insurance Requirements in Otsego [2]
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- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage
Motorcycle Helmet Laws in Otsego
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- Motorcycle helmets required for 20 and younger. [3]
Motorcycle Insurance Laws & Regulations in Otsego, MI
Motorcycle License Regulations in Otsego, MI [3]
Detailed information about Otsego laws and regulations regarding obtaining and maintaining a motorcycle license in the state.
- Motorcycle License Laws in Otsego
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- 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 Otsego, MI [3]
Various regulations and laws in Otsego regarding riders and passengers of motorcycles, as well as the equipment used on bikes.
- Motorcycle Equipment Laws in Otsego
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- 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.
Rider & Driver Facts in Otsego, MI
Otsego Accident Reporting Regulations
- Accident Reporting in Otsego [3]
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- Crashes are required to be immediately reported in cases of death or injury.
- Crashes are required to be immediately reported if property damage exceeds $1000.
Otsego Highway Facts
- Speed Limits in Otsego [2]
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- Rural interstates: 70 mph (Trucks: 60 mph)
- Urban interstates: 65 mph
- Other roads: 55 mph
- Consumption of Motor Fuel in MI [4]
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- Michigan ranked 10th in the U.S. in 2011 in total motor fuel consumption.
Otsego Motorcycle Registrations
- Registered Riders in MI [5]
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- In 2012, Michigan totaled 266,489 motorcycles registrations.
- This number ranks 10th in the United States by state (including Washington, D.C.).
- Note: MI ranked 8th in the nation in total auto registrations (all vehicle types) in 2011.
Additional information about Michigan
About Otsego
The city of Otsego (Michigan) has an approximate population of 3,956 and is located in Allegan County. [6]
Otsego, MI Motorcycle Insurance
To learn more about about Motorcycle Insurance in Otsego, or for additional resources related to Otsego Motorcycle Insurance, visit the Michigan Department of Insurance.
Did you know?
Much like car insurance, maintaining a good driving record can help keep motorcycle insurance rates low.
1. ^ Property Casualty Insurers Association of America (PCIAA)
2. ^ Insurance Institute for Highway Safety (IIHS)
3. ^ AAA Digest of Motor Laws and/or Michigan DOT
4. ^ U.S. Department of Transportation
5. ^ Federal Highway Administration
6. ^ United States Census Bureau (2010)
