What are Basic Liabilities for Motorcycle Insurance?

The basic insurance liabilities for motorcycle owners are the same as for automobiles. It breaks down to 15/30/5. In other words, riders must have a minimum or above of

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 in damage liability for each accident

Optional Coverages

According to Neff & Associates Insurance Services Inc. representatives, motorcycle owners don’t need to purchase uninsured/underinsured programs for their insurance policy. Additionally, they don’t need a personal injury protection (PIP) rider. Bodily injury and damage liability are the only coverages needed to qualify for a motorcycle insurance policy. 

Is Motorcycle Insurance Required?

In California, motorcycle insurance is required to drive the vehicle in Pismo Beach, CA, and across the state. It has to be specific to the vehicle. To put it another way, you cannot apply an auto insurance policy to the motorcycle. 

Are There Penalties if You Don’t Have Motorcycle Insurance?

In California, driving a motorcycle without the proper insurance is illegal. If you can’t provide proof of a policy when pulled over by law enforcement authorities, it might lead to fines, license suspension, or impounding your motorcycle. Penalty payments increase for each offense.

On top of this, even if you have motorcycle insurance, you may be penalized if you can’t provide physical proof. Fortunately, there are ways to appeal the fees related to this issue. The fees may be revoked if you produce the evidence within the ticket’s deadline. 

How to Obtain Motorcycle Insurance

You can purchase a motorcycle insurance policy through national or local outlets like Neff & Associates Insurance Services Inc. Be prepared to ask several questions to get the right policy for your needs.

What Should I Look for in a Good Renters Insurance Policy?

When renting an apartment or house, one of the most important things to consider is getting renters insurance. This type of insurance protects your belongings in case of theft, damage, or other problems. But with so many different policies available, it can be hard to know what to look for in a good renters insurance policy. Here are a few key things to remember when shopping around for coverage.

1. Coverage Limits

Most renters insurance policies have coverage limits, which is the maximum amount the policy will pay out in case of a claim. Make sure to choose a policy with coverage limits that are high enough to cover the value of your belongings. Otherwise, you might have to pay out of pocket to replace damaged or stolen items.

2. Exclusions

All renters insurance policies have exclusions, which are events or circumstances not covered by the policy. For example, most renters’ insurance policies exclude damage caused by earthquakes or floods. Be sure to read the fine print of your policy, so you know what is and isn’t covered. The fewer exclusions there are, the better.

3. Deductibles

Many people don’t realize that most policies have a sum you must pay before the insurance company covers any damages. This is called a deductible, and choosing a policy with a deductible that you can afford to pay is essential. Otherwise, you might be in a difficult financial situation if you need to make a claim.

4. Easy Claims Process

If you need to make a claim, you’ll want to be sure that the process is as easy and smooth as possible. Some insurance companies make it difficult to file a claim, which can cause a lot of frustration. Do some research on different insurance companies and read reviews to see which ones have a reputation for being easy to work with regarding claims.

Get Renters Insurance in Pismo Beach, CA

Keep these things in mind if you’re looking for a good renters insurance policy. Neff & Associates Insurance Services Inc can help you find the right policy for your needs. Contact us today to get started.