Different Types of Motorcycle Insurance California Coverage

2007-03-08 10:33:40

( Insurance )



A motorcycle insurance California policy must include a certain amount of coverage for bodily injury and property damage. The minimum amount required for motorcycle insurance California is 15/30/5 as expressed in thousands. The first figure refers to the minimum amount of coverage which you must have for bodily injury for one person for each accident. The second number denotes the minimum amount of coverage that should be bought for bodily injury for other parties for each accident. Finally, the last figure represents the minimum amount of coverage that a motorcycle owner should have to pay for any property damages as a result of an accident.

Typical motorcycle insurance coverage pays damages to your motorcycle and other property regardless of who is at fault.

Additional types of coverage can be purchased for motorcycle insurance California. These coverages are not required by California law, but can be purchased to provide additional financial protection in the event of an accident. They include:

A medical payments coverage, which pays for any medical and funeral costs for the motorcycle operator or other people that have been involved in an accident. It can include hospital and surgery bills, x rays, dental and caregiver expenses, as well as costs for obtaining any prosthetic items. Coverage is given even if the accident was your fault. You obtain coverage lasting anywhere one to three years, and up to a specified limit.

A comprehensive coverage can cover you for theft, any damages caused by earthquakes, floods, fire, falling objects, explosions, civil unrests and/or riots.

There is also motorcycle insurance coverage to cover for uninsured and underinsured parties. Uninsured coverage can cover for any injuries sustained by a motorcycle driver due to a hit-and-run incident, and the party at fault does not have any car or motorcycle liability insurance. Underinsured on the other hand, is somewhat similar to the uninsured coverage, except that it covers for the injuring parties that have inadequate insurance coverage.

The first step in purchasing motorcycle insurance California is to either shop on the Internet for different online motorcycle insurance quotes. Other motorcycle insurance quotes can also be obtained from insurance agents or brokers offering auto or home insurance.

The cost of your motorcycle insurance premium will depend on a number of factors which can include: the size of your motorcycle engine, its type and brand, your age, driving record and experience, where you intend to use the motorcycle and how often you intend to use it.

Finally, you must note that a California motorcycle dealer will not see you a motorcycle unit unless you pay for its insurance before it leaves their store.


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