California is a motorcycle owner’s paradise. Sure, everyone’s been on Route 66, Tioga Pass, or the Pacific Coast Highway, but you’ve been on the windy backroads no tourist will ever find. This is your chance to get away from the hassles of work, unwind after a long week, and feel the wind in your face. Not everyone understands what makes it so special, but you do. The open road, your bike, and maybe a passenger — that’s all you need.
Of course, in California, you also need motorcycle insurance to ride legally. We’re one of the few states that requires insurance for motorcycles. Even if it wasn’t required, it’s still a good idea.
According to California law, you must carry a specific amount of property damage and bodily injury liability protection in case you cause an accident. The limits are minimal, and if you are found at fault in an accident, it may not be enough to financially protect you.
Your bike is your two-wheeled baby. Whether you ride it to work to save on gas or on the weekends to let off steam, it’s your ticket to ride and to freedom. Make sure you and your motorcycle are covered with more than just the basics. Much like auto insurance, you can add extra layers of protection to cover you in any type of accident.
Comprehensive: If your bike is vandalized, stolen, or damaged/destroyed in a fire, you’re covered.
Collision: Coverage if you hit another vehicle or they hit you.
Personal injury protection: This covers the medical costs of you and your passenger in an accident.
Uninsured and underinsured motorist: Everyone’s supposed to have insurance, but you know it doesn’t always happen. This covers you if they don’t have any or enough for an accident they caused.
Accessories: When you carry comprehensive or collision coverage, your accessories may also be covered too. This includes your saddlebag, radio, backrests, seat, chrome and more.
When you’re in an accident on your motorcycle, the end result can be as bad as it gets. Total losses aren’t uncommon, especially if you go toe-to-toe with an SUV or truck.
The next time you meet up with your buddies or you hop on for a solo ride, make sure you have enough California motorcycle insurance coverage for whatever heads your way down the highway.
You know what else you need? A helmet. Not only does it protect you when you tangle with a vehicle, a fight you’re likely to lose, but it’s also the law.
Ready to insure your two or three-wheeled toy? At IBW, we understand the draw of the open road, and why it’s so important that you get out on it as often as possible. Let us help protect you and your bike with a solid California motorcycle insurance policy. Contact us today!