Pleasanton, CA, is a great place to own a motorcycle. The entire state of California offers a lot to enjoy with the open road, but if you’re going to drive on California roads, you have to have insurance. To ensure you get the right coverage, Miao Insurance Services is here to explain how motorcycle coverage has much in common with car insurance.

Motorcycle Minimum Liability Requirements in California

The state of California spells out specific liability insurance requirements for motorcycle policies. If your insurance covers less than these requirements, you violate California regulations and can be penalized severely.

These are the minimum liability numbers:

• $15,000 for bodily injury per person
• $30,000 for bodily injury per accident
• $5,000 for property damage per accident.

Car Minimum Requirements

Car requirements in California look exactly the same. In fact, California legislation makes no distinction between motorcycles and other automobiles when laying out these requirements.

For clarity, here’s the minimum insurance you need when driving a car in California:

• $15,000 for bodily injury per person
• $30,000 for bodily injury per accident
• $5,000 for property damage per accident.

Why Are They the Same?

It’s easy to assume that you would need less liability since motorcycles are much smaller and carry fewer people. That’s not the case, and the reason is simple. Motorcycle accidents can and often do include cars in the event. That means ultimately, motorcycle-caused accidents are often still car accidents. So, the risks of injury and property damage are more or less the same, regardless of what type of vehicle you drive.

When it comes to personal protection, such as comprehensive vehicle coverage, motorcycles and cars start to look a lot different. To understand those distinctions, you can contact your Miao Insurance Services representative and see what kinds of savings you can get as a resident of Pleasanton, CA.

When you’re cruising through the picturesque Pleasanton, CA streets on your motorcycle, the last thing you’re thinking about is how much motorcycle insurance coverage you have — motorcycle insurance agents at Miao Insurance Services can help! We can help you get motorcycle insurance coverage to ensure adequate coverage for an accident, theft, or damage. 

Our insurance team specializes in providing clients with motorcycle insurance coverages for liability, collision, uninsured motorist, and comprehensive coverages that protect riders against non-collision-related accidents. 

California Motorcycle Insurance 

Liability insurance coverage acts as the foundation of motorcycle insurance policies. It helps provide financial protection for bodily injury or property damages in an accident. Motorcycle insurance is a legal requirement in California.

Talk to one of our insurance experts to learn about factors affecting your coverage options. 

• Collision coverage is designed to help drivers repair or replace damaged bikes regardless of which driver was at fault in a motorcycle accident. 
• Comprehensive coverage adds another layer of protection that can help offset the costs of damages caused by non-collision-related events like natural disasters, wildfires, or earthquakes. 
• A trusted insurance agent at Miao Insurance Services in Pleasanton CA can help you navigate the complexities of uninsured and underinsured coverage that shields drivers from damages when they are in an accident with someone without adequate insurance. 

Insurance rating systems consider the following when determining what kind of motorcycle insurance you’re eligible for. 

• Driver’s Age
• Riding Experience
• Number of Years Licensed
• Type of Motorcycle
• Where You Ride Your Bike 

We Are Here To Help

Learn about more requirements for California motorcycle insurance coverage by talking to trusted insurance professionals at Miao Insurance Services. Our Pleasanton, CA team of motorcycle insurance experts can talk to you about your options for coverage and provide you with a free quote! 

If you are a motorcycle owner in Pleasanton, CA or the surrounding areas, it is imperative that you keep proper insurance in place as well as follow motorcycle safety rules. The insurance professionals at Miao Insurance Services have the top three motorcycle safety rules you need to keep in mind. 

Top 3 Motorcycle Safety Rules

Take A Safety Course

Every bike owner needs to take a motorcycle safety course before they start using their bike on a regular basis. These types of courses will teach you aspects of operating the bike that you may never have considered. Even if you have already learned how to drive your bike, you need to hear from motorcycle professionals on the best ways to keep yourself and others safe while riding. 

Check the Weather 

It is crucial that you always check the weather conditions before heading out. The weather conditions will drastically impact the safety measures that you will need to take while you are riding your bike. Many bikers choose a different mode of transportation on days when the weather will be too inclement for safe driving. If you do not have another method of transportation, you will need to take extra safety precautions. 

Wear Proper Gear 

To stay safe on your bike, you will need to always wear the proper types of motorcycle gear. Motorcycle gear rules can differ from state to state, so be sure you know the rules for the area you will be riding in. In addition to keeping you safe, it is also important to wear proper gear so that you do not get in trouble with the police. 

Reach Out To Us

If you would like to learn more about motorcycle insurance, please contact us at Miao Insurance Services serving Pleasanton, CA and the surrounding areas.  

There are many different ways to purchase motorcycle insurance, and you’re likely to come across various types of discounts. You can shop around to find the best deal, or you can get it from a company that has a good reputation and is easy to deal with. 

Most importantly, ensure you have the right amount of money on hand when you purchase your motorcycle insurance. For expert advice in the Pleasanton, CA area, give us a call at Miao Insurance Services. 

Motorcycle Coverage: What You Need To Know

The most common discounts you’ll find on motorcycles are home and car insurance, collision, and theft insurance. Choosing the right option for you can be a lot harder than it looks like it, so make sure you’re reading up on the different things you can get for your money. 

Many of them are simply a one-time deal, while others are continuously renewable. If you have a serious health condition or are prone to concussions, you may benefit more from a discount plan that offers you other benefits. 

The best time to shop for motorcycle insurance is during the year-round season. The year-round availability allows more people to shop around and get the best deal. The most popular motorcycle insurance discounts are for one-time events such as cruise ships and vacation rentals. For more frequent passengers, there are also many discounts for monthly or annual policies. 

Popular discounts include: 

• Multiple cycle discount
• Multi-policy discount
• Continuous coverage discount
• Motorist safety discounts
• Insurance payment discount
• Experienced & safe motorist discount

Give Us A Call

There are multiple ways to get great motorcycle insurance, and the best way to find the right amount is to talk to a professional about your situation. For example, if you have a serious injury and need to get medical attention, you might want to consider getting medical insurance. 

If you are new to the world of motorcycles and would like to start taking them for a test drive, you might want to consider getting a discounted insurance plan. For guidance from professionals, reach out to Miao Insurance Services, serving the greater Pleasanton, CA community.

Motorcycle riders need specialized policies to protect their ride and themselves from various financial difficulties. However, what happens if they add a passenger to their ride? This factor complicates their policies and causes many types of struggles. Thankfully, we at Miao Insurance Services can help to protect Pleasanton, CA motorcycle riders from this type of passenger-based problem.

What Your Policy Will Cover for Riders

When you buy a motorcycle insurance policy, you should look for an extra coverage option is known as “guest passenger liability” coverage. This option is designed to cover any potential problems caused by your rider, such as if they distract you or grab the handlebars as you’re trying to ride. 

However, most motorcycle insurance policies will also cover medical expenses and other financial issues for many riders if you cause the accident. For example, if you crash and your passenger is injured, the liability coverage should help pay for their medical recovery options. 

It is essential to understand that these coverage options will vary based on your insurance company and the policy you buy. In California, most policies must be as comprehensive as possible. Still, some policies provide only strict liability coverage, meaning you may end up paying for anything that a passenger causes during your ride. So consider upgrading your policy. 

Finding an Option That Works for Your Pleasanton, CA Ride 

If you live in California and want a high-quality motorcycle insurance policy that works for your financial needs, seriously consider contacting us at Miao Insurance Services to learn more. We work with many people in the Pleasanton area and strive to create policies that make sense for your needs. And we’ll give you a strong understanding of what your policy covers and what it does not, ensuring that you are properly covered.