HOW MUCH MOTORCYCLE INSURANCE IN CALIFORNIA DO I NEED?
May is Motorcycle Awareness Month—do you know how much motorcycle insurance in California you need? You need insurance to protect not only yourself but other drivers as well. Although everyone should practice safe driving all year round, motorcycle accidents are still common in California.
Celebrate Motorcycle Awareness Month the safe way, and find out how much coverage you need. It could make a huge difference.
The Minimum Amount of Motorcycle Insurance in California
Before you start shopping for California motorcycle insurance quotes, you need to make sure you’re looking for the right amount of coverage.
Here are the minimum requirements for California motorcycle insurance:
$15,000 liability coverage per person
$30,000 liability coverage per incident (more than one person)
$5,000 property damage
Broken down, a plan similar to this would cover $15,000 in the case of injury or death to the other driver, and $30,000 for more than one person. It would also cover up to $5,000 of damages to the other driver’s vehicle. Property damage insurance also covers things like fences, houses, and even pets.
Depending on your needs, you may need more than the basic amount.
When Do You Need More than the Minimum?
Riding a motorcycle is risky, especially in a state like California where cars are everywhere. You have to pay extra attention to your surroundings—but you can’t assume other drivers will do the same. Increasing your motorcycle insurance in California can make sure you’ll have enough coverage in the event of a serious accident.
For example, if you lane-split a lot and ride along the dotted lines between other vehicles, you may want to consider higher coverage. Although lane-splitting is legal in California, other drivers may not notice you. You can only do so much to prevent accidents like these. However, if you have a plan with higher liability coverage, you won’t have to worry in situations like these.
Find the Right Amount of Coverage and Ride in Safety
Whether you’re looking for cheap motorcycle insurance in California or the most comprehensive plan you can find, be sure to keep in mind the minimum requirements. And if you do decide to get higher coverage, just expect a slight increase to your insurance rates.
A higher coverage plan can provide you with invaluable peace of mind. Consider how much that is worth to you before you look for quotes, and you’ll know just how much you’ll need.