Motorcyclist Insurance Is Required For All Drivers
After Florida, California accounts for the second-highest number of motorcycle accidents in the United States. Still, many motorcycle riders in California are uninsured or have insufficient motorcyclist insurance coverage.
Under California law, you are required to purchase motorcycle insurance if you ride a bike in the state. Doing so is not only a legal requirement but also a smart move to protect your own health and the health of other motorists and pedestrians in the event of a motorcycle accident.
Liability Coverage And Why It Is Necessary
Everyone who owns a registered motorcycle in California must have liability coverage. This requirement ensures that every motorcyclist is able to pay for bodily injuries and property damages incurred by the other party in a collision.
The liability insurance coverage, which is mandatory under California law, does not cover a motorcyclist’s own losses and damages associated with the injury or damage to his or her bike. That is why motorcyclists are encouraged to buy additional insurance coverage that would protect them in the event of a crash.
What Is The Minimum Liability Motorcycle Insurance In California?
California requires motorcyclists to have at least:
- $15,000 for bodily injury or death per one individual
- $30,000 for total bodily injury or death for multiple individuals involved in the accident
- $5,000 for property damage
These are the minimum liability coverage limits for a motorcyclist’s insurance in California.
If you have a motorcycle in California but are not sure which motorcycle insurance to buy, consult with our motorcycle accident attorney at The Hayes Law Firm.
Types Of Insurance Coverage For California Motorcyclists
Since a motorcyclist is at risk of suffering catastrophic and life-threatening injuries such as brain injury or spinal cord injury, it makes sense to protect yourself as much as possible. One such protection would be to buy as much insurance coverage as you can afford.
We have outlined the most optimal types of insurance for an average motorcyclist in California.
- Liability coverage. This one is required by California law and pays for the losses and damages associated with the injuries and property damages incurred by other parties if you are at fault.
- Guest passenger liability. Not all insurance coverages pay for your passenger’s injuries and damages, but this one does.
- Comprehensive and collision coverage. While this type of motorcyclist insurance is not mandatory under California law, it is essential to have it because it pays for repairs and replacements of your bike.
- Uninsured or underinsured motorist coverage. Although California law requires motorcyclists and other motorists to have insurance coverage, there is still an estimated 13% of uninsured motorists in California alone. This type of insurance coverage protects you in the event of an accident with a driver who carries no insurance or does not have enough insurance coverage to compensate for the damages.
- Medical insurance. As its name implies, medical insurance pays for the insured motorcyclist’s injuries as well as any deductibles on the biker’s personal health insurance.
Penalties For Not Having Motorcycle Insurance In California
Not having motorcycle insurance is punishable by law in California. Motorcyclists who do not carry the state-required liability insurance risk facing fines and penalties.
Aside from these penalties, an uninsured motorcyclist in California will not be able to get compensated for the damages and losses suffered in a crash. Given that the cost of treating a brain injury, one of the most common injuries among motorcyclists, can exceed $100,000 and more. Not having insurance would be a major financial undertaking.
If a California motorcyclist does not purchase new liability insurance within 45 days of his or her previous insurance being canceled or submits false insurance evidence, that motorcyclist’s vehicle registration could be suspended.
If a motorcyclist fails to provide proof of insurance to a police officer during a traffic stop, the officer has the right to issue a traffic ticket. Also, failure to provide proof of state-required liability insurance could result in the bike being impounded, not to mention the fines that the motorcyclist will have to pay for operating a bike without insurance.
To Schedule A Free Consultation, Call Today
If you were in a collision caused by an insured motorcyclist or you are the motorcyclist without insurance, call us. Let our lawyers at The Hayes Law Firm advise on your available options. Email us or call at 323-693-1052 to schedule a free consultation.