There are several insurance companies that offer all kinds of motorcycle insurance in California. They offer dozens of helpful tips that save you a lot of money. If you want to purchase motorcycle insurance, it is advisable to shop over 25 top rated insurance companies and the best services for the lowest premium. Additional discounts are given for being a safe cyclist, insuring more than one bike and touring bikes. A bicycle owner is very likely to get a medical expense policy without any hospital insurance.
Motorcycle insurance coverage is very different from that of a car insurance policy. Motorcycles offer less protection than automobiles, so the risk of serious injury is high. Motorcycle insurance serves to reduce a high percentage of lost money in the event of an accident.
There are different types of motorcycle insurance coverage in California. Third party liability (bodily injury), property damage, uninsured or underinsured motorists, overheads, collisions, and medical costs are included. If an accident occurs due to the motorcyclist’s fault, liability coverage pays the injured person. Under California Motorcycle Insurance Law, insurance companies must spend $ 15,000 per person for one person injured and $ 30,000 for all those injured in a single accident. Property damage coverage will pay for property damaged by your motorcycle. The law requires $ 5,000 for the destruction of other people’s property. Collision coverage requires a relatively high deductible amount compared to standard bikes.
If an accident is caused by an uninsured person or by people who do not have sufficient bodily injury coverage to satisfy your claim, uninsured or underinsured motorist coverage will pay for you. It also takes care of your medical bills, your pain and suffering, your lost wages and your future damages. The coverage pays approximately $ 30,000 per person and $ 60,000 for all those injured in the same accident. Comprehensive coverage covers loss due to theft, flooding, and fire, while medical coverage covers all medical expenses.