Motorcycle insurance is insurance policy for motorcycle riders and it is required by law for anyone that wishes to ride a motorcycle. Common sense, right? However, some people assume, that if they have an Auto insurance policy, they do not need a Motorcycle insurance and that’s not the case. If you drive auto – you need Auto insurance, but if you ride a motorcycle – you need a Motorcycle insurance, because your Auto insurance policy will not cover you and your bike in case of an accident; you may not add your Motorcycle to your auto policy either; and it’s against the law to ride a bike without a Motorcycle insurance. Even if you use your motorcycle very infrequently, such as on weekends only or just during summer,- you must have a Motorcycle insurance.
In addition, under California law, Prop 213, if the driver of a vehicle or a motorcycle does not have insurance at the time of accident that driver forfeit the majority of their injury claims. Imaging you ride your bike, stopped at the traffic light but the car behind you didn’t, slamming into you and, therefore, causing you major injuries, that you may not recover from. It’s other driver’s fault, you are injured and have tons of medical bills, and you may not even be able to go against the driver at fault, simply because you didn’t have any insurance and were riding your bike illegally.
Motorcycle insurance companies offer similar coverages that are offered for Auto insurance:
- Bodily injury and property damage liability
- Uninsured motorist
- Medical payments
- Comprehensive coverage
- Collision coverage
- Roadside assistance
- And there might be some other useful coverages
Bodily Injury and Property Damage liability coverage. This coverage is one of the most important coverages on Motorcycle insurance, because it’s the amount of protection that you buy for injuries and property damages that you may cause to others in the event of a motorcycle accident. Make sure you buy enough of that coverage, so that you don’t end up paying thousands of dollars out of your own pocket, if the limits you chose are insufficient to pay for the damages you may cause to others.
Uninsured Motorist will cover you and the passengers of your bike up to the the limits you purchased in case someone without insurance hits you.
Medical payments will cover medical expenses to you and your passengers regardless of fault.
Comprehensive coverage will pay for loss to your bike caused by something other than Collision such as theft, vandalism, fire and hitting an animal.
Collision coverage will pay for damages to your motorcycle in the event you collide with another object (another bike, car, wall, etc)
Roadside assistance is something you should consider adding to your policy in case you need roadside assistance, such as towing, flat tire and if you ran out of gas.
These are main coverages of Motorcycle insurance. The most important coverages are Bodily Injury, Property Damage liability limits and Uninsured Motorist. Buy as high limits as possible of these coverages. In addition, if you ride a bike, make sure you have a solid Health insurance plan and Life insurance is advised, because no matter how great of a biker you are, it is super dangerous; and unlike cars, bikers have no metal shell around them, so any accidents are often very devastating and life threatening.
Ride safely and do not skim on your Motorcycle insurance.
Contact us today for a free quote or consultation.