What does Motorcycle Insurance cover?
Bodily injury and property damage liability cover you in the event of an at-fault accident. Comprehensive and collision coverage for motorcycles will help you repair or replace a damaged or stolen bike. You can customize limits and deductibles and see all of your coverage options in one place when you get your free motorcycle insurance quote.
How much Motorcycle Insurance is needed?
This varies by state, but standard motorcycle insurance requires at least bodily injury and property damage liability coverage.
Bodily injury and property damage liability cover you in the event of an at-fault accident. Comprehensive and collision coverage for motorcycles will help you repair or replace a damaged or stolen bike.
Other states may require additional motorcycle coverage, such as uninsured/underinsured motorist coverage. Some states could require Personal Injury Protection (PIP), also known as no-fault insurance. In general, motorcycle PIP insurance covers the medical expenses of people riding on the insured motorcycle and pedestrians who are struck by the insured motorcycle in an accident.
Here are the minimum liability coverage limits that California requires:
- $15,000 for injury/death to one person.
- $30,000 for total injury/death if multiple people are hurt in the accident.
- $5,000 for damage to property.
5 Surprising Facts About California Motorcycle Insurance:
- You do need to keep proof of insurance when riding your motorcycle. As with drivers of passenger vehicles, state law requires motorcyclists to have proof of insurance when riding their bikes on California roadways. Therefore, you must either always carry your wallet with your insurance card when you ride your motorcycle, or you have to keep your card in a compartment on your bike. If you get pulled over without it, you could receive a citation from the police for not being able to show proof of insurance.
- Motorcycle insurance does not cover customized bikes. If your motorcycle is “tricked out” with customized equipment or special parts, they will usually not be covered under a standard motorcycle insurance policy. This may also apply to any aftermarket parts you install. However, you can get coverage for customized motorcycles, much like you can with classic car insurance.
- You are not required by law to have insurance for a dirt bike.California statute says that “off-highway vehicles,” such as dirt bikes, do not need to be insured in accordance with state law. (Of course, that also means that you are lawfully prohibited from riding a dirt bike on standard roadways.) Even though not required by law, you should consider protecting yourself and your bike with insurance. Even though not required by law, you should consider protecting yourself and your bike with insurance.
- You can save money on your premiums by choosing a higher deductible.As with cars, you are required to maintain minimum insurance coverage amounts of $15,000 for single-person bodily injury, $30,000 for all bodily injuries in a single incident, and $5,000 for property damage, but there is no minimum or maximum deductible required under state law. So if you want to lower your insurance costs, you can select a higher deductible amount (like $500, $1,000, or more) and you will typically pay lower premiums.
- There are ways you can get discounts on your motorcycle insurance.For instance, successfully completing a qualifying motorcycle safety course can earn you a discount of up to 5%. You may also see savings if you install an anti-theft device on your bike. Finally, you may qualify for other discounts if you are over 55 years of age or a full-time student with at least a B average.