Violations and How They Impact Your Oregon Motorcycle Insurance Rates
When you have any violation on your record, you can expect your auto insurance rates to be a little higher for your Oregon motorcycle insurance. Depending on what kind of violation you get, can depend on how long they can impact your rates for. Look at the list below to see the violations and how long they can affect you.
Violation Name
Major, Minor, or Non-Moving
How Long it Will Affect Your Insurance Rates
At Fault Accident
Major
5 Years
Running a Traffic Light or Stop Sign
Minor
3 Years
Improper Lane use
Minor
3 Years
Failure to Use Turn Signal
Minor
3 Years
No Proof of insurance
Non Moving
NA*
Parking
Non Moving
NA*
Crossing over a Center Divider
Minor
3 Years
Reckless Driving
Major
5 Years
DUI
Major
10 Years
Failure to Stop for a Pedestrian Side walk
Minor
3 Years
Non-At-Fault Accident
Minor
NA*
Driving without a License
Major
3 Years
Oregon Motorcycle Insurance
If you have a motorcycle and love to ride on scenic roads, then Oregon is the perfect place to do that! Its known as one of the country’s BEST motorcycle roads because of its scenic diversity and the scenic alone.
And when they say scenic diversity, they mean it. You will experience the shores of the Pacific Ocean, ride through the Cascade mountains, and then the gorgeous Columbia River and end in the eastern part of the state which you will see the River Canyons!
Now as free as this sounds, all that beauty comes at a cost. And that is Oregon’s motorcycle insurance laws. Here are some of the laws…
Oregon’s Motorcycle Insurance Laws
The motorist will have to acquire liability insurance of 25/50/20
All motorists are required to wear a helmet by DOT
The owner is required to register the bike and display the license plate on the bike
All riders must have their license and proof of possession on them
And the owner of the bike must have a valid motorcycle endorsed or instruction permit
Oregon Motorcycle Insurance Equipment Laws
There are also some laws to take into consideration about the equipment that will make your motorcycle street legal. The insured motorist must have these things below…
Rear red reflector and one white light to make the license plate visible
A rearview mirror and one horn
One white headlight that is always kept on
Fenders one each of the wheels
At least one brake that is operated by hand or foot
A valid license plate that is mounted correctly on the back of the bike and must be able to read easily
Functional turn signals
And an exhaust system that works and constantly operating so that it prevents visible emissions and reduce noise levels.
Other than that, it will all be well worth enjoying your scenic ride on your bike covered with Oregon Motorcycle Insurance provided by A Plus Insurance!
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