What is the risk of riding without a motorcycle license?

Riding without a motorcycle license poses significant legal penalties and increases liability in the event of an accident. Without a proper license, a rider is not only breaking the law, but they also lack the necessary training and knowledge required to operate a motorcycle safely. If involved in an accident, the absence of a valid motorcycle license can lead to more severe consequences, such as fines or legal repercussions. Additionally, insurance companies may find that unlicensed riders are a greater risk, potentially leading to challenges in processing claims or increased liabilities assigned to them.

The other options focus on financial consequences, such as repair costs, insurance premiums, and riding privileges; while these are relevant considerations, they do not capture the primary legal and liability implications that come with riding without a license. The correct answer addresses the immediate legal repercussions and responsibilities that unlicensed riders face, which is crucial for understanding the risks involved in riding a motorcycle.