Riverside and Santa Rosa, CA residents who own and ride motorcycles know that motorcycle insurance is essential, and having a full coverage plan can save you a lot of headaches in the event of an accident. Here’s a full guide to what you need to know about motorcycle insurance in California.
A Guide to Recommended Insurance Coverage for Motorcycles
Like other types of insurance, there are numerous coverage options available for motorcycle owners. These include the following:
This coverage will pay to replace or repair your vehicle if it is damaged in a crash and you are found at fault. For most motorcycle owners, this is optional coverage.
Property damage and bodily injury liability
This type of mandatory insurance covers you when you are at fault in an accident and someone else in the accident is injured or their property is damaged.
Liability coverage for guest passengers
Liability coverage for guest passengers will cover anyone who is riding on your motorcycle with you and is injured in an accident when you’re driving.
Under/un-insured coverage for other drivers
This type of insurance will cover you if you are in an accident and the other motorist was at fault but does not have any liability insurance or comprehensive insurance.
Finally, there’s medical coverage. If you get into an accident, this will cover your medical bills. This is no-fault insurance, which means that it doesn’t matter who was at fault; your medical bills will still be covered.
Contact Allegheny Pacific Insurance Services Today
If you are a Riverside or Santa Rosa, CA resident, Allegheny Pacific Insurance Services can help you find a motorcycle insurance policy that meets all of your needs. Stop into our nearest location today to learn more, or give us a call to speak with an agent on the phone. We look forward to hearing from you and working with you to find the perfect motorcycle insurance plan!