California, like most states, requires that motorcycle owners have liability insurance if those bikes will be out on the road. Accidents involving motorcycles usually are caused by the driver of a passenger car or a larger vehicle, but it does happen that motorcyclists sometimes are liable in a collision. Motorcycle Insurance in Murrieta CA can be purchased through an independent agency.
Motorcycle owners cannot use their automotive insurance to cover the bike and their liability when riding it. This must be a separate policy or it may be coverage bundled with the auto insurance. Either type may be provided by an agency like Barranca Insurance Services Inc., depending on the insurance carrier the customer chooses.
Required Liability Coverage
The minimum liability Motorcycle Insurance in Murrieta CA and elsewhere in the state is $15,000 bodily injury coverage per person and $30,000 total per accident as of 2019. The property damage minimum is $5,000. It’s important to choose coverage that pays for medical bills of the motorcyclist and for a passenger if someone was riding along.
Comprehensive and Collision
As with cars and pickup trucks, motorcycle owners can add comprehensive and collision coverage if they so choose. That type of coverage will be necessary if they are financing the bike, since the lending institution wants to protect its interests. Collision coverage pays for damage to the bike if the policyholder causes the incident. Comprehensive coverage pays for damage due to incidents like vandalism or severe storms.
Uninsured and Underinsured Motorists
The motorcycle owner also may add uninsured and underinsured motorist coverage, which would pay the bills if another driver who is not financially responsible causes an accident. California does not require this coverage by law, but it is strongly recommended by financial experts.
Add-On Possibilities
Add-on coverage also is available in many policies. The customer may want to ask how much coverage can be added to pay for high-end accessories in the event of damage, for example. Roadside assistance is available with some insurance policies. Trip interruption insurance may be advisable for motorcyclists who often ride far from home. This coverage pays for transportation and lodging if a collision occurs. You can also connect them on Facebook.
