<prompt> Human: Ive gotten very conflicting answers on this from various sites. Some say its not required at all, others say you need personal injury protection, etc. whats the straight answer? Do I need insurance for a bike? If so what kindhow much?  <response>: Regardless of any legal requirement, yes you do need insurance. Operating a motor vehicle on the road without it is dumb and reckless. If you cant afford insurance you cant afford the carmotorcycle. 