Motorcycle Insurance in California

In the state of California, it is mandatory to insure drivers of any moving vehicle, including a motorcycle. Insurance companies suggest that motorcyclists take out a motorcycle insurance policy in California, and the following factors will influence the final cost:

• actual driving experience;
• vehicle insurance coverage limit;
• motorcycle driving experience;
• make, model of vehicle. 

In most cases, sport and performance motorcycles will cost more to insure than cruisers and touring vehicles. Also, the cost of motorcycle insurance is influenced by the technical condition of the vehicle. As a rule of thumb, motorcyclists who use their vehicle for recreation pay less insurance than those who use their motorcycle for work. 

California Motorcycle Insurance Laws

California has a number of laws regarding state motorcycle insurance under the SR-22 program.

1. Mandatory BIL (Bodily Injury Liability)  insurance in case of bodily injury is $15 thousand per person and $30 thousand per accident. 
2. Taking out a PDL (Property Damage Liability)  liability policy with insurance coverage of at least $5 thousand.

In addition, there are a number of requirements under State Motorcycle Laws.

1. If there is an accident resulting in injury, accident, or property damage in the accident is more than $750, those involved in the incident file an accident report with the DMV. 
2. The accident report must be submitted within 10 days to the DMV or CHP.
3. Traveling without a protective helmet is strictly prohibited.

In the state of California, drivers can also buy additional coverage for themselves - underinsured/uninsured persons coverage, motorcycle accessory coverage, and full comprehensive property damage coverage. 

Which cities in California are covered by insurance: 

Murrieta, San Jose, Concord, Palmdale, Burbank, Lancaster, Chula Vista, San Francisco, Bakersfield, Corona, Santa Clarita, Pasadena, Long Beach, Thousand Oaks, Santa Clara, Santa Ana, Fontana, Victorville, Santa Barbara, Moreno Valley, Fairfield, Los Angeles, Roseville, Pomona, Modesto, Berkeley, Oakland, Carlsbad, Visalia, Glendale, Oceanside, Ontario, Oxnard, Anaheim, Fresno, Rancho Cucamonga, San Bernardino, Sunnyvale, Irvine, Riverside, Malibu, Salinas, Fremont, San Diego, Orange, Ventura, Stockton, Santa Rosa, Sacramento, Vallejo.

Pros of motorcycle insurance

The state of California is one of the places in the US that allows the practice of "lane splitting", meaning that a motorcycle driver can ride on the road between two lanes of traffic. This practice very often leads to an emergency situation; many road traffic incidents are recorded. Insurance companies offer extensive motorcycle insurance coverage plans, with different terms and conditions for each type of vehicle. A progressive scale of insurance coverage allows you to receive compensation even for a minor traffic accident. Riding a motorcycle is one of the most dangerous factors on the road, since the number of deaths on this type of transport is 29 times higher than on other types of transport. In this regard, in California there is a ban on driving without a car insurance policy. There is also a strict requirement for motorcyclists:

• The driver is over 21 years old, it is possible to obtain a license if the driver is over 18 years old, but he must have a training permit for 6 months;
• vision examination in accordance with the state test;
• obtaining a certificate of completion of California Highway Patrol courses (a certificate of completion of courses is the basis for obtaining a license) .

Motorcycle insurance does not cover driving a car, truck, etc. 

There are several types of motorcycle licenses that are covered by motorcycle insurance:

• class M1, you are allowed to drive scooters and mopeds;
• class C, you are allowed to drive a motorcycle with a sidecar.

Having insurance coverage will relieve the motorcycle driver of the possible heavy financial burden in the event of aggravated consequences of road accidents. 51 State Insurance recommends purchasing additional categories of insurance to help reduce your risk of severe financial consequences.