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California Motorcycle Insurance Coverage

Motorcycle Insurance

Motorcycle Insurance

It would be difficult to find a better place to ride a motorcycle than in California. With scenic highways, temperate weather and varied terrain, it offers variety and an intense feeling of freedom.

Riding comes with responsibilities in California, and you need to make sure you have the right coverage in case anything happens. There are minimum requirements, but you can add more protection depending on your needs.

Minimum Requirements for Motorcycles in California

All automobile drivers and motorcycle riders are required to carry insurance in case they are at fault in an accident. That liability insurance has set minimums:

  • You will need to have at least $15,000 worth of protection for personal injury or death for each person involved in the accident. The minimum total coverage per accident tops out at $30,000, though.
  • You will need at least $5,000 liability coverage to cover property damage to the other vehicle.

Other Kinds of Coverage You Should Consider

Some people get the bare minimum coverage because they think insurance is expensive. But if you think about the consequences, protecting yourself now could save you a great deal of money in the long run.

  • Medical coverage will cover the expenses if you or your passengers are injured in an accident not covered by your liability policy.
  • Comprehensive coverage is important because it will cover the damages to your vehicle that can happen for so many different reasons, from accident to theft to a falling tree branch.
  • Collision coverage is for when you cause the wreck.
  • You can be compensated for necessary rental car expenses if you add it on.
  • Uninsured/underinsured motorist coverage will protect if you are involved in an accident with someone who doesn't have enough insurance.

Motorcycle insurance is surprisingly inexpensive. It won't cost you anything to call CKS Insurance Agency Motorcycle Insurance and discuss your various options. Call today and see how we can help make your ride more stress-free.

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