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Ride Safe, Insure Smart Act

IntroducedSenate

Re-ref to Appropriations/Base Budget. If fav, re-ref to Rules and Operations of the Senate2026-04-28

No floor votes recorded.

This bill requires owners and operators of public motocross facilities in North Carolina to carry liability insurance of at least $1 million per occurrence and $2 million in aggregate. The bill exempts private facilities not open to the public and facilities operated by government entities, and includes $50,000 in state funding for a safety awareness campaign targeting young riders.

  • Supporters argue this bill protects injured riders and their families by ensuring motocross facilities have sufficient insurance to cover medical expenses and damages from accidents.
  • They contend that liability requirements encourage facility operators to maintain safer conditions and hold operators accountable for negligence, while private facilities and government operations remain exempt from the requirement.
  • Opponents may argue the insurance mandate increases operational costs for motocross facility owners, potentially leading to higher fees for riders or facility closures, particularly for smaller businesses.
  • They may also question whether $1-2 million in coverage is appropriate for all facilities regardless of size or risk level, and whether the state should regulate private recreational activities in this manner.

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