Whether you are a weekend rider or use your motorcycle as a primary means of transportation, California law requires all riders to be insured. While only liability insurance is required, additional coverage can further protect both you and your motorcycle. Moncali Insurance specializes in helping riders throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff with all their motorcycle insurance needs.
California requires that all motorcycle insurance policies certain levels of liability coverage. These minimums will help to cover medical costs or property damage costs incurred by other parties when you are responsible for an accident.
California Auto Insurance Requirements
- $15,000 for injuries or death per person
- $30,000 for injuries or death per accident to multiple people
- $5,000 for property damage
Remember, these are simply the minimums that you need to carry and these required coverages are meant to protect others. Many will choose to purchase more substantial levels of liability coverage. Optional coverage can also be added to your policy that will provide better protection for both you and your vehicle.
Two of the most common optional coverage types are collision coverage and comprehensive coverage. Collision coverage will help repair or replace your damaged motorcycle when you are responsible for an accident. Protective gear and apparel such as helmets and riding leathers may be covered under collision coverage as well. Comprehensive coverage is designed to pay for damages to your motorcycle if the damage is the result of a non-accident related incident. This can include vandalism, damage from various weather-related events, theft, and more.
Medical payments coverage is an optional coverage that will help to pay for costs related to injuries you may sustain in an accident, regardless of who is at fault. Medical payments coverage can be a very valuable policy addition for those who may not have adequate health insurance.
While all drivers and motorcycle riders are required to carry insurance under California law, not all meet their obligations. Uninsured and underinsured motorist coverage is an optional coverage that will help to pay for medical bills and damage to your property if you are in an accident with someone who does not have adequate liability insurance.
California motorcycle riders can take advantage of many discounts to save money on their insurance. Discounts may be available if you store your motorcycle in a garage, if you have completed certain motorcycle safety courses, or if you belong to certain rider groups. Bundling your auto insurance and homeowners insurance policies with your motorcycle insurance is a great way to save on all of your insurance needs.
At Moncali Insurance, we offer great rates and excellent coverage options on motorcycle insurance throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff. Contact our experienced motorcycle insurance agents today for more information or to receive a free quote!