The Importance of Having Motorcycle Insurance


If you own and ride a motorcycle, it is important that you have motorcycle insurance. California law requires that all registered vehicles be insured, and that includes motorcycles. This is to help ensure that motorcyclists are able to pay for the injuries and damages they cause to others in the event of a crash. It is important to first know what the insurance laws pertaining to motorcycles are in California.

What Are the Requirements in California?

California law requires that your motorcycle insurance policy include liability insurance coverage. This type of insurance coverage will help pay for injuries or property damage sustained by others in an accident for which you were deemed at fault. Minimum liability coverage limits in California include $15,000 for death or injury per person, $30,000 for injuries and deaths if multiple individuals are involved in the accident and $5,000 for property damage.

Before you go out and purchase a motorcycle insurance policy, it is important to shop around for the best quotes. Not all insurers provide the same premiums and incentives. You might wish to take a closer look at what your needs are and what you can afford. You might also want to sign up for more than just what the law requires at a minimum. Look into different types of coverage.

Why is it Important?

Comprehensive insurance coverage is the best bet, if you can afford it. Here, it is very important to remember that liability insurance coverage on your insurance policy will not cover your own injuries or property damage. Once you buy the insurance policy, you will receive a document or identification card. This is your proof of insurance.

You should also certainly consider purchasing uninsured motorist coverage as part of your motorcycle insurance policy. While your liability insurance protects other motorists and individuals, uninsured motorist coverage protects you, should you become injured. According to recent studies, about 15 percent of California's drivers are uninsured. So, should you get struck and injured by a driver who doesn't have insurance, you will be covered under the uninsured motorist clause of your motorcycle insurance policy.

If you don't have motorcycle insurance, your vehicle registration may be suspended if you don't replace your liability insurance policy within 45 days after it's been canceled or if you submit fraudulent proof of insurance. Your registration could also be suspended if you get pulled over and cannot provide evidence of insurance. Your vehicle may even be impounded.

If You Have Been Injured

If you or a loved one has been injured in a motorcycle accident, there are a number of steps you would be well advised to take in order to protect your rights. Report the incident to police, get prompt medical attention, gather evidence from the scene and contact an experienced Orange County motorcycle accident lawyer who will help you secure fair compensation. Victims of motorcycle accidents may be able to seek compensation for damages such as medical expenses, lost income, and pain and suffering. Motorcycle insurance does help you during this difficult time and gives you peace of mind.

Timothy J. Ryan & Associates

Call (714) 898-4444 today to obtain a free consultation from proven California motorcycle accident attorney Tim Ryan. Tim has helped victims recover over $1 billion with a 97% success rate. Get help today.