Not all states in the United States require motorcyclists to carry motorcycle insurance. Here at Neff & Associates Insurance Services Inc., our team is always eager to answer questions about insurance policies, including motorcycle insurance policies for Pismo Beach, CA residents. The following is a look at some of the most important things to know about motorcycle insurance laws for our state:
California Motorcycle Insurance: Do I need it?
Yes! California law requires that all drivers of any type of motorized vehicle, including those driving motorcycles, meet certain motorcycle insurance minimums. Our insurance company also recommends motorcyclists expand their policy beyond the minimums for optimum protection in the event of an incident.
To meet the minimum liability insurance requirements in the state of California, you will need to have a Pismo Beach, CA insurance policy that includes amounts for:
- Bodily injury or death per individual harmed in an accident you’re deemed responsible for
- Bodily injury or death per complete accident in the event multiple people are harmed in an accident, you’re deemed at fault for
- Total property damage resultant from an accident you’re deemed at fault for
The purpose behind having this minimum mandatory insurance policy is to ensure that others are financially protected in the event of accidents of your causing. Likewise, if you’re injured while riding your motorcycle because of another driver’s negligence, their insurance policy will pay out for your medical costs and property damage. Some people don’t have full coverage or are operating illegally. This is why we also recommend that all motorcyclists carry uninsured/underinsured motorist insurance coverage and full collision coverage so they are always protected in any accident.
For more information about motorcycle insurance and meeting your Pismo Beach, CA insurance needs, contact our friendly team at Neff & Associates Insurance Services Inc.