Finding the Right Motorcycle Insurance

If you ride a motorcycle in California, you are well acquainted with the call of the open road, and you also know that you need the best motorcycle insurance near you to cover you in the event of an accident.

The risks of the road are very real, and motorcyclists are more vulnerable to them.

When looking for the right motorcycle insurance, an experienced motorcycle insurance agent can help you find the best coverage for you. 

Motorcycle Insurance Is Mandatory in California

In the State of California, motorcycle insurance is mandatory for anyone who operates a motorcycle, and the coverage requirements include:

1. Coverage for at least $15,000 in bodily injury liability coverage for harm to one person in a motorcycle accident. 
2. $30,000 in bodily injury liability coverage for total harm caused in a motorcycle accident.
3. And carry at least $5,000 in property damage liability coverage per motorcycle accident.

While there are other forms of insurance coverage that are not required in the State of California.

Consider carefully your purchasing needs.

A dedicated California motorcycle insurance agent can help you choose the best coverage for you. 

Your Motorcycle Insurance Coverage

The above addresses only the state coverage minimums that you are required by law and includes only liability coverage.

And comes into play if you cause someone else to be injured in a motorcycle accident but do nothing to cover the losses you experience.

For a wide range of reasons you are at increased risk when you are on your bike:

1. You don’t have a protective layer that comes between you and the impact of an accident (like when you drive your car-seatbelts, airbags). 
2. You are more difficult to see when you’re on your bike, which makes it far easier to get lost in other motorists’ blind spots, or for other drivers to simply fail to see you in the first place.
3. Your bike has less traction with the road, which makes balance issues a concern and which increases the danger associated with inclement weather. 
4. It is more difficult for other drivers to gauge your speed and distance from them when you are on your bike. 

Because you are far more likely to be engaged in a traffic accident on your bike than when in your car, having adequate insurance is important.

Your dedicated motorcycle insurance agent will help you explore your coverage needs in relation to all the following:

1. Total liability insurance that covers any damage others experience as a result of your own negligence.
2. Uninsured or underinsured motorist insurance that covers the damage you experience if you are injured by the negligence of another driver who does not carry adequate insurance.   
3. Comprehensive and collision insurance that covers damage to your bike if you are in a motorcycle accident that doesn’t involve another driver. 

An Experienced California Motorcycle Insurance Agent Can Help

The well-respected motorcycle insurance agents at Panorama Insurance Agency have the skill and knowledge to help you obtain the insurance coverage you need at a price you can afford. You can learn more by contacting or calling us at 818-781-6630 today.