Even if you love motorcycles and enjoy the sensation of the wind blowing through your hair as you whizz past other vehicles on the road or highway, these vehicles are not the safest mode of transportation.

With nothing much to protect your body other than the helmet for the head, you can get injured seriously if you get involved in a road accident while riding a motorcycle.

Also, the consequences of riding a motorcycle uninsured can result in certain penalties, such as fines and the suspension of your license. If you are uninsured and end up getting involved in an accident, you’ll have to pay out-of-pocket for any vehicle repair and medical costs.

Therefore, having motorcycle insurance is crucial to provide protection from expenses stemming from bodily injuries or motorcycle damages in an accident.

Motorcycle Insurance in California

The State of California sets minimum motorcycle insurance requirements – meaning all motorists in California must have insurance, not just car and other vehicle owners.

For motorcycle drivers, the minimum state requirements for motorcycle insurance are $15,000 for each person injured in an accident, or up to $30,000 per accident, and $5,000 for property damage. These conditions are expressed as 15/30/5 in insurance terms.

The types of coverage available for motorcycle owners include:

• Liability coverage: Helps provide protection from expenses arising from bodily injuries or motorcycle damages in an accident.
• Collision coverage: Can cover the physical damage wrought on your motorcycle due to an accident.
• Comprehensive coverage: May cover damages that do not result from a collision (e.g., natural disasters or theft).
• Underinsured or uninsured coverage: Provides coverage from at-fault drivers who don’t have money or proper liability insurance coverage for physical damages or injuries resulting from an accident.

Motorcycle coverage encompasses a wide range of bike types, including custom bikes, high-performance bikes, touring bikes, street sportbikes, cruisers, trikes, classic motorcycles, scooters, and mopeds. You may even opt to include any number of bikes you own in one motorcycle insurance policy.

However, custom motorcycle parts and equipment from a different manufacturer are usually excluded from a typical California motorcycle insurance policy. So if your motorcycle is customized, you will need to get additional coverage.

Protect Yourself and Your Prized Motorcycle

For help in identifying the best form of motorcycle insurance cover, please get in touch with Crescenta Valley Insurance at 818-248-4500.

We’ll assist you in finding the best combination of motorcycle insurance that will provide you the kind of protection you need.

Get a Free Motorcycle Insurance Quote