Do you need to insure a motorcycle in California?
Selecting the best suited policy is essential. Be sure to locate a policy that offers:
- Good Rates
- Ample Protection
This is exactly why we offer our service: to allow you to compare and contrast rates from top rated insurance companies – straight from your computer!
Motorcycle Insurance: California Laws
For starters, motorcycle insurance is required in California. What is motorcycle liability insurance? This type of policy pays the loss of other people when you are responsible for that loss.
Motorcycle insurance minimums in California are the following.
- Bodily Injury Liability Limit for Single Individual: 15
- Bodily Injury Liability Limit for All Parties: 30
- Property Damage Liability Limit: 5
Of course, the aforementioned figures are in thousands of dollars.
CA Motorcycle Uninsured Motorist Coverage
Recent surveys show that 25% of California drivers are uninsured. Throwing a leg over a motorcycle or scooter is a lot more dangerous than getting behind the wheel of a car or truck, but having to worry about so many uninsured drivers only adds to the risk. It goes without saying, the bike, along with its rider, will suffer a lot of harm in any wreck with a car or truck. You won’t want to wind up being saddled with damage payments for which you were not responsible.
Because of this uninsured motorist (UM/UIM) insurance is a good option for motorcycle owners. Uninsured motorist insurance pays for the insured’s injuries and losses negligently caused by a motorist who has no liability coverage.