Motorcycles are a popular form of transportation in California. Thousands of people choose two-wheeled vehicles over four-wheeled vehicles for transportation when the weather is good. Some people don’t even purchase a car but rely on their motorcycles for all of their major needs.
Like other modes of personal transportation, motorcycles in California are subject to insurance requirements. Anyone with a motorcycle registered in California will need to have proof of insurance on their vehicle.
Basic insurance may be necessary to ride, but more robust insurance is beneficial for everyone, as a crash could lead to life-altering injuries and insurmountable expenses. Motorcycle riders can more effectively protect themselves by expanding their mandatory coverage.
The state only requires liability protection
A basic motor vehicle insurance policy in California provides both bodily injury and property damage liability coverage. If the motorcycle rider is at fault for a crash, their liability coverage will pay for other people’s losses.
However, motorcyclists are often hurt in crashes caused by other drivers. They are then dependent on someone else’s foresight and sense of responsibility to others. Often, they could have just $25,000 in bodily injury protection available.
Adding extra coverage to a policy, including uninsured and underinsured motorist protection, can make a big difference in the financial recovery of a motorcycle rider after a crash. The basic policy requirements in California are low enough that they would do a poor job of replacing someone’s lost wages or covering medical costs after a wreck.
Investing in additional insurance coverage can help protect those who ride on motorcycles or are otherwise at risk of a motor vehicle crash.