You love your motocycle and don’t want anything to prevent you from enjoying Santa Monica’s great weather from the seat of your bike. Make sure you understand your legal requirements to obtain insurance. California requires motorcycles to be registered and insured just like any other vehicle on the road. Proof of coverage ensures that you are able to cover any damages or injury in an accident you may cause. Your Express Financial & Insurance Services representative is available to help you understand your options. First, let’s look at the state laws governing motorcycle insurance.
California Motorcycle Insurance Requirements
In order comply with state law your motorcycle insurance has to include liability insurance coverage. This includes bodily injury and property damage experienced by others due to a crash that you caused. Here are the types of coverage you need.
- bodily injury or death benefits to one person injury or killed in an accident you cause
- bodily injury or death benefits for more than one person injury or killed in an accident you cause
- property damage resulting from an accident you caused to another person’s property
Deciding on Insurance Coverage
Review your options from a perspective of how often you ride and the likelihood of an accident. Get as much insurance as you can afford without being over insured. Your Express Financial & Insurance Services agent can help you decide what suits your needs. For instance, you can always sign up for the minimum and add specific coverage later if you feel you are at risk.
One thing to remember is that liability motorcycle insurance doesn’t cover you or your motorcycle. Many riders opt for comprehensive coverage that pays for damages if you are hit by an uninsured or underinsured driver.
Contact Express Financial & Insurance Services today to set up an appointment for a quote, not only for motorcycle insurance but all your coverage needs.