Motorcycle Insurance Considerations for California Riders

Whether you’re cruising the roads of the Pacific Coast, climbing the slopes of the Sierra Nevadas or navigating busy urban traffic, owning a motorcycle in California can require careful and skillful driving. However, regardless of how experienced and confident you may be as a rider, accidents and unexpected incidents are inevitable obstacles. Sufficient insurance is necessary to address legal compliance and financial security.

How Does Insurance Work?

Motorcycle insurance may share many similar terms and features as auto insurance for which you cover your car. Still, you’ll want to make sure that your policy also addresses the unique needs and enhanced exposures of your two-wheeled ride. Regardless of your skill or experience, motorcycles are inherently more dangerous than cars and tailoring appropriate coverage is essential. Fortunately, a motorcycle insurance policy can be sculpted accordingly.

What Does My Policy Cover?

When composing your motorcycle insurance, you may want to consider investing in the following coverages:

• Bodily injury liability coverage can account for other parties’ medical bills and losses if you cause bodily harm in an accident.
• Property damage liability coverage may count toward third-party replacement, repair or rebuilding costs should you damage their properties.
• Collision coverage may assist with repairing or replacing your bike after a crash, regardless of who was at fault.
• Comprehensive coverage can offset losses arising from noncollision incidents, including fires, criminal acts and severe weather.
• Uninsured/underinsured motorist coverage is capable of compensating you for damages even if someone else is at fault while lacking liability insurance.

Do I Need Coverage?

Motorcycle insurance is often required by law when registering your bike. Additionally, auto lenders may require additional coverage to protect their financial interests. Even in the absence of these formal obligations, your policy might be a critical investment, as, without suitable insurance, you could face costly lawsuits or lack the means to repair or replace your bike.

We’re Here to Help

Contact Academy West Insurance in Sanger, CA, today to learn more about coverage options or compare personalized motorcycle insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.