According to DMV laws and regulations, California motorcycle insurance is obligatory if you want to ride legally on the street. In fact, keeping your motorcycle covered by insurance is compulsory in all of the US but FL, MT, and WA state. In most cases, this means that you won’t be able to get a license plate for a motorbike without showing proof of insurance to the Dept. of Motor Vehicles authorities. There are a number of distinct types of policies you can select. Such protections can includ:
- Bodily Injury Liability
- Property Damage Liability Limit
- Uninsured Motorist Coverage
- Collision Coverage
- Comprehensive Coverage
Protection against motorists lacking insurance is recommended for motorcyclists. Why? Because nearly 1.5 in 10 motorists lacks insurance. Since automobile drivers are often the culprit in crashes with motorcycles, it is critical to safeguard oneself monetarily. Despite the fact that extra coverage might possibly increase your California motorcycle insurance premiums on a month to month basis, it may well be truly worth the excess expense – this is especially true in the event of a personal injury.
California Liability Coverage Minimum Requirements
In California, the mandatory type of motorcycle or scooter insurance coverage is liability. Liability covers you in financial terms if you are found to be to blame for personal injuries or damages to a 3rd party. While a lot of people don’t expect that a motorcycle or scooter can result in much damage, you might be surprised.
California has regulations mandating the minimum degree of liability coverage you must have. Typically, you will see these liability coverages posted as 3 cash figures. In California, the requirements are $15,000/$30,000/$5,000.
The initial pair of amounts are the minimum thresholds for bodily injuries liability. The first is for only one individual in an accident, the next for all persons put together. The last sum is property damage liability.
When you own a supersport or any other motorcycle which comes with plastics, it’s wise to give thought to full coverage motorcycle insurance. In today’s market, those plastic fairings are so costly to buy from the manufacturer that just knocking over your bike in a driveway can lead to the bike being written off by the insurer. Harleys or other cruisers that are covered with a great deal of chrome pieces or ornamentation may well be at an increased risk as well.
Always remember that standard liability coverage fails to offer protection to the rider, the the machine being ridden, or passengers – only your legal risk.