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In just a few weeks, spring will be here and you can start thinking about weekend motorcycle rides. It seems that the torrential rain from El Niño failed to materialize, and a nice sunny SoCal Saturday is just the road trip fix you need.
Much like helmet laws to some, motorcycle insurance is a required nuisance. However, both can save riders from a world of hurt – one physically and one financially. Whether or not you agree with either being mandatory, both are. In the case of insurance, no motorcycle can be registered (and really shouldn’t be operated) without it.
Just as with cars, California requires 15/30/5 liability insurance coverage, which will pay for property damage and bodily injury suffered by others in a crash that you caused. Specifically, you need $15,000 for injury/death to one person; $30,000 for total injury/death if multiple people are hurt in the accident; and $5,000 for damage to property.
Remember that these are the maximum payments your insurance company will make, so think about how much medical procedures cost and how far $5,000 in property damage will go. Also keep in mind that liability motorcycle insurance will not cover your own injuries or property damage.
Please make sure you and your passenger are wearing an approved safety helmet when riding Also assume that other drivers probably cannot see you, so be sure not to ride in their blind spot (the left and right rear of the vehicle).
It is always advisable to consult with your insurance professional to be sure you are carrying the right amount of insurance coverage to protect you for all eventualities. Ask if completing a motorcycle safety course will reduce your premium. Stay safe and enjoy your ride!