Motorcycle Insurance Overview 

At Trilogy Insurance Brokers, Inc., we understand how important it is to have coverage for yourself and your bike. Here is what every California rider should know about motorcycle insurance, state requirements and how our team can help you stay covered.

Understanding Motorcycle Insurance Coverage

Motorcycle insurance may include several types of coverage, each addressing different risks:

• Liability coverage can cover bodily injury and property damage you may cause to others in an accident.
• Collision coverage may help pay for repairs to your motorcycle if you are involved in an accident, regardless of fault.
• Comprehensive coverage may apply to noncollision events such as theft, vandalism or certain weather-related damage.
• Uninsured/underinsured motorist coverage may step in if you are involved in an accident with an at-fault driver who has little or no insurance.

California’s Legal Requirements

Motorcycle owners in California are required to carry at least the minimum liability insurance mandated by law. This includes coverage for injuries, death and property damage caused to others in an accident for which you’re responsible. Riding without insurance may result in fines, license suspension or impounding your motorcycle. Since minimum limits might not cover all expenses from a serious accident, some riders opt for higher limits or additional coverage.

Tips for Riders

Keep the following tips in mind:

• Review your policy regularly so your coverage matches your riding habits and the value of your bike.
• Consider comprehensive and collision coverage, especially if your motorcycle is newer or financed.
• Take a motorcycle safety course, as some insurers may offer discounts for approved training.
• Wear proper safety gear and follow helmet laws to help reduce your risk of injury and avoid citations, which could lead to increased insurance costs.

We Can Help California Motorcyclists

Contact Trilogy Insurance Brokers, Inc. today to request a free personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.