Motorcycles and Local Insurance Requirements

Motorcycle riding is a year round event here in Los Angeles where the weather makes riding enjoyable all year. There are concerns that bikers can easily become involved in accidents because automobile drivers aren’t always aware of their presence. Motorcycle coverage from Los Angeles insurance companies provides financial protection in the event of a motorcycle accident. This includes repairs for any damage, a total loss, or even theft.

Motorcycle insurance includes liability coverage in case you’re the responsible party and can be held liable for another person’s injuries or any property damage you may cause. These policies provide coverage for motorcycles, including choppers, street bikes, mopeds, and Segways.

State requirements for insurance

Motorcycle riders in California must have bodily injury coverage of at least $15,000 per person and $30,000 per accident, along with property damage coverage of $5,000 dollars (15/30/5). These limits apply to private passenger vehicles driven on public roadways and doesn’t apply to ATVs or dirt bikes, which are excluded, but should be insured all the same.

The amount of motorcycle insurance that you’ll need depends on the type of bike you own and how you plan to use it. Some bikes will be costlier to insure than others. Additionally, you may want to increase the amount of motorcycle liability insurance you carry as well as your coverage for hospital and medical care, as these expenses can add up if injuries are quite severe.

Southern California riders tend to go really fast and are constantly weaving between cars and the law allows this. Therefore these riders have a greater risk of serious injuries as well as the potential to be involved in incidents that might end up causing injury to others. Some good news is that most liability coverage from los angeles insurance companies will also cover some portion of your legal costs, if an injured party files a lawsuit against you.

This is all determined based on the amount of insurance coverage you have, depending upon the limits you choose when you first buy your policy. If the cost of the claim is beyond the limits of your policy, you will then be responsible for paying any costs out of pocket for the other party’s injuries or damages. Speak to a knowledgeable agent today.