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.