- No comments
California requires that all registered vehicles, including motorcycles, have insurance. This is to help ensure that drivers and riders are able to pay for damages or injuries they may cause to others in an accident. It doesn’t matter what size motorcycle you have, if it has a license plate, it must be insured. You also need to carry proof of insurance with you when you are on the road.
Liability insurance will pay for property damage and bodily injury suffered by others in a crash that you caused. Here are the minimum liability coverage limits the state requires: $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.
In some states, you can get away with not wearing a helmet as long as you have a certain amount of insurance coverage, but not in California. The state requires all operators and their passengers to wear an approved safety helmet at all times regardless of whether you ride a motorcycle, a motor-driven cycle, a motorized bicycle or a motorized scooter.
Sit down with your insurance professional and discuss how to better protect yourself and your motorcycle from permanent fiscal damage. While you are at it, talk about all your insurance needs and rest assured that you are covered for all eventualities.