The mild weather Los Angeles experiences all year round makes the city a haven for motorcyclists. However, heavy traffic, summer storms and other hazards can present untold dangers for you as a motorcycle rider. While having basic liability on your motorcycle can protect you from some loss, buying additional motorcycle insurance in LA can provide you with a wider umbrella of coverage.
1. Damage from Debris
No matter where you drive, the risk of being hit by flying debris from large trucks and construction sites is considerable. Whether damage occurs to your bike or you become injured as a result, debris coverage can help cover losses from such an occurrence.
2. Customized Parts
If you spend time and money customizing your motorcycle, adding insurance that covers these parts protects your investment. Basic motorcycle insurance typically doesn’t cover add-ons that may include:
- Custom paint jobs
- Special seats
- Custom or non-standard tires
When you buy motorcycle insurance in LA, ask your agent which custom parts are available for additional coverage.
3. Uninsured Motorists Coverage
If an uninsured motorist hits you and your bike, you may have little recourse when it comes to recovering money for repairs or medical bills. Protecting yourself with this type of insurance may raise your premiums, but it can be well worth it if you are involved in an accident with an uninsured motorist.
Exploring Los Angeles on your motorcycle can be a thrill. However, tempering that thrill with additional motorcycle insurance in LA can provide you with peace of mind as you hit the road.