Focusing on Your Needs
Motorcycle insurance coverage is mandatory in California. If you are a California resident and are enjoying the open highways and byways on your motorcycle be sure you have insurance coverage.
Motorcycle Insurance is similar to auto insurance coverage. Riding your motorcycle in California requires that you have liability coverage. Liability insurance covers other people injured in an accident, but it doesn’t cover your own injuries or your motorcycle. Look into the wide range of coverage options, including comprehensive and collision coverage.
Comprehensive insurance covers your motorcycle for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your motorcycle if it is stolen; or damaged by flood, fire, or animals. It pays to fix your motorcycle minus your deductible.
Collision insurance covers damage to your motorcycle when your motorcycle hits, or is hit by, another vehicle, or some other object. This coverage pays to fix your motorcycle minus the deductible you choose. Coverage is normally limited to the cash value of your motorcycle.
Affordable Insurance Rates
Comprehensive and collision insurance coverage are not required by a state, but your lender may require them. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.
Here’s the minimum liability coverage California requires:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property