Motorcycle Insurance

Did you know that California is the state with the most registered motorcycles in America? While the Sunshine State is a popular destination for bikers, don’t forget about motorcycle insurance from SLO Insurance Services LLC. Motorcycle insurance keeps you in compliance with the law and protects you against financial losses following an accident.

California motorcycle requirements

If you ride or own a motorcycle in California, you must include the below coverages in your motorcycle insurance:

• Bodily liability insurance: This policy protects you when accused of causing physical harm to other people. The minimum amount required is $15,000 (one person) and $30,000 for a collision involving more than one person.
• Property damage liability: It protects you when you cause physical damage to other people’s property after an accident. The minimum required is $5,000.

While observing the state-required minimums is wise, these coverages don’t protect you or your property. Besides, the coverage limits are likely to fall short when you are faced with a significant accident. That said, you need to consider other coverages for optimal protection. These include:

• Collision coverage: This coverage compensates you for repairs and replacing your bike following a collision with another motorist or stationary object.
• Comprehensive coverage: This policy protects your bike against physical damage from non-collision perils like falling objects, vandalism, theft, fire, and natural disasters.
• Uninsured/underinsured motorist coverage: This insurance plan protects you in hit-and-run scenarios. It also comes to your rescue when you crash with an at-fault driver with little or no insurance.
• Roadside assistance: While your bike is crucial for your movement, sometimes it can let you down when it breaks down. Luckily, you can purchase roadside assistance coverage to bail you when your bike stalls away from home.
• Medical Payments (MedPay) coverage: It covers medical expenses for you and your passengers when involved in an accident.

Need motorcycle insurance in California? Why don’t you get in touch with SLO Insurance Services LLC? We will build you a policy that considers your budget and riding style.