After Florida, California accounts for the second-highest number of motorcyclist fatalities 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.
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.
California requires motorcyclists to have at least:
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 Montebello motorcycle accident attorney at The Hayes Law Firm.
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 of such protections 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.
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.
If you were in a collision caused by an insured motorcyclist or you are the motorcyclist without insurance, you may want to consult with a Montebello motorcycle accident attorney. Let our lawyers at The Hayes Law Firm advise on your available options.
Call at 323-477-1415 to schedule a free consultation.
At The Hayes Law Firm, APC, we serve all of Los Angeles and the Inland Empire, so whether you need a personal injury attorney in Montebello or a premises liability attorney in San Bernardino, we are here to serve you. Unlike other attorneys who view clients as cases, we understand that your experience has a human story behind it, and when you are in our offices, you are like a member of the family. We are ethical and compassionate, and we will take the time to find the best solution for your unique case and will work together with you every step along the way. Contact us today for a free consultation.