Motorcycle Insurance in California

California has the most registered motorcycles in all 50 states. Riding a motorcycle in California is a fun activity, and the weather enables motorcycle riding almost every day. However, riders are at a higher risk of injury than car owners. Motorcycle insurance is mandatory in California in order to protect bike riders in an accident. Our agents at Miao Insurance Services are familiar with the motorcycle insurance requirements in the state of California. Whether you're riding in Pleasanton, CA, or going cross-country, you need insurance coverage. Following is a look at why you need motorcycle insurance in California.

Motorcycle Accidents Have a Higher Risk of Injury

Riding a motorcycle comes with inherently higher odds of serious injury than one faces in a car. Physics are not in a motorcyclists' favor when struck by another vehicle. There is nothing to keep the rider from being flung off the bike after an impact. The rider is almost guaranteed to have serious injuries when they land and require medical assistance. However, the fatality rate for motorcyclists in California is relatively low with 488 fatalities reported in 2018. That does not mean that motorcyclists should go without insurance simply because the odds of a fatality are low. Insurance can cover medical bills and property replacement after a motorcycle accident along with providing coverage for other individuals involved in an accident.

Minimum Insurance Requirements for Motorcycles in California

The state requires motorcyclists to carry a minimum liability policy in order to operate on the public roadway. The minimum liability requirements, also known as 15/30/5, are as follows:

• $15,000 for bodily injury caused by another individual
• $30,000 for bodily injury for individuals involved in the accident
• $5,000 for property damaged in a collision

Call Our Insurance Agency Today for a Motorcycle Insurance Quote

We at Miao Insurance Services, an insurance agency in Pleasanton, CA, are ready to find you an insurance policy that meets state requirements and your personal insurance needs. Give us a call today and talk to us about your motorcycle insurance needs.