Motorcycle Insurance Providers in Spencer, WV
Spencer, WV Motorcycle Insurance
Motorcycle Insurance Coverage Requirements in Spencer
- Minimum Liability Limits in Spencer, WV: 20/40/10 
- 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 Spencer 
- 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.
Spencer Motorcycle Insurance Liability Requirements
Mandatory motorcycle insurance coverage for riders in the state of Spencer, WV.
- Motorcycle Insurance Requirements in Spencer 
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
Motorcycle Helmet Laws in Spencer
- Motorcycle helmets required for all riders. 
Motorcycle Insurance Laws & Regulations in Spencer, WV
Motorcycle License Regulations in Spencer, WV 
Detailed information about Spencer laws and regulations regarding obtaining and maintaining a motorcycle license in the state.
- Motorcycle License Laws in Spencer
- A separate motorcycle examination is required to obtain a license that authorizes the operation of a motorcycle. The examination tests the applicant's knowledge of the operation of a motorcycle, any traffic laws relating to the operation of a motorcycle, and includes an actual demonstration of the ability to drive a motorcycle.
- Upon successful completion of an examination and paying the required fees, the DMV shall include a motorcycle endorsement on the license of the applicant or shall issue a special motorcycle-only license if the applicant does not possess a license.
Motorcycle Equipment Laws in Spencer, WV 
Various regulations and laws in Spencer regarding riders and passengers of motorcycles, as well as the equipment used on bikes.
- Motorcycle Equipment Laws in Spencer
- The operator or passengers on a motorcycle or motor-driven cycle must wear a protective helmet with a neck or chin-strap.
- The operator or passengers on a motorcycle or motor-driven cycle must wear safety, shatter-resistant eyeglasses, eye goggles, or face shields. If any motorcycle, motor-driven cycle, or moped is equipped with a windshield or windscreen, the windshield or windscreen must be constructed of safety, shatter-resistant material.
- Passenger footrest required if carrying a passenger.
- Every motorcycle, motor-driven cycle, and moped must display lighted headlamps at all times when on the highway.
- Every motorcycle must be equipped with at least 1 to 2 headlamps, at least 1 brake operated by hand or foot, and a rearview mirror.
Rider & Driver Facts in Spencer, WV
Spencer Accident Reporting Regulations
- Accident Reporting in Spencer 
- Crashes are required to be immediately reported in cases of death or injury.
- Crashes are required to be immediately reported when property damage exceeds $1,000.
Spencer Highway Facts
- Speed Limits in Spencer 
- Rural interstates: 70 mph
- Urban interstates: 55 mph
- Other roads: 55 mph
- Consumption of Motor Fuel in WV 
- West Virginia ranked 38th in the U.S. in 2011 in total motor fuel consumption.
Spencer Motorcycle Registrations
- Registered Riders in WV 
- In 2012, West Virginia totaled 57,921 motorcycles registrations.
- This number ranks 40th in the United States by state (including Washington, D.C.).
- Note: WV ranked 39th in the nation in total auto registrations (all vehicle types) in 2011.
Additional information about West Virginia
The city of Spencer (West Virginia) has an approximate population of 2,322 and is located in Roane County. 
Spencer, WV Motorcycle Insurance
To learn more about about Motorcycle Insurance in Spencer, or for additional resources related to Spencer Motorcycle Insurance, visit the West Virginia Department of Insurance.
Did you know?
In 2013, 88,000 motorcyclists were injured, down 5.4% from 93,000 in 2012 (Insurance Information Institute)
1. ^ Property Casualty Insurers Association of America (PCIAA)
2. ^ Insurance Institute for Highway Safety (IIHS)
3. ^ AAA Digest of Motor Laws and/or West Virginia DOT
4. ^ U.S. Department of Transportation
5. ^ Federal Highway Administration
6. ^ United States Census Bureau (2010)