Any motorcycle operator on the roads in California is required to have minimum liability insurance. That means that if you’re in a motorcycle wreck and you’re liable, the law requires you to pay the damages. The required minimum liability coverage for a motorcycle in California is $15,000 per person, $30,000 per occurrence and $5,000 in property damage
It doesn’t take much of a hit to cause $5,000 in property damage. If you have a rider and wipe out, and your rider ends up in the hospital for two weeks, $15,000 will be exhausted in a few days. If you’re hit by an uninsured driver, you’re going nowhere with your minimum liability coverage, because you’re not insured for that risk. If you’re hit by somebody else who’s riding on minimum coverage, your out of luck too after their $15,000 runs out. Minimum coverage just isn’t enough.
We’re independent insurance agents. We’re responsible and trustworthy people who live and work with you in your community. As opposed to most agents, we don’t just sell policies for one single company. We can offer you a variety of motorcycle insurance policies and coverage that can be customized to meet your individual insurance needs. When we speak, you’ll recognize those needs and want to cover them. That way, if you’re in a serious accident, you’ve prepared for all of the contingencies.
The options we can offer you are far greater and much more varied than what an agent for one of the super sized insurance companies can even talk about. We give you choices that will cover you all the way around. Even if you’re not shopping for motorcycle insurance, give us a call, and we’ll be happy to give you an evaluation. You’ll be happy you called us.