ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

California Motorcycle Insurance Law

Updated on November 2, 2010

California Motorcycle Insurance Requirements

The Golden State may diverge from other states' motorcycle laws in that it allows lane-splitting, but when it comes to motorcycle insurance, California bike owners are in the same boat as residents in most other states:  California motorcycle liability insurance coverage is the law.

That said, there are state-specific details that California motorcyclists should consider, including:

  • Minimum Liability Guidelines
  • Cost of Health Care and Recommended Liability
  • California's Uninsured and Underinsured Drivers

Let's look at each topic in more detail.

California Motorcycle Insurance Law - Liability Coverage

When insuring a motorcycle in California, the first thing you need to know is the state minimum guidelines for liability coverage. This is the absolute bare minimum coverage you must carry on any bike for it to be registered and ridden on the street.

Like all states, California has established minimum liability coverage amounts for bodily injury and for damage to property:

  1. Minimum Liability for Bodily Injury of a Single Person in an Accident: $15,000
  2. Minimum Liability for Bodily Injury of 2+ Persons (All) in an Accident:  $30,000
  3. Minimum Liability for Property Damage:  $5,000

Liability and The Cost of Medical Care

If you want the very cheapest coverage possible, you could opt to insure your bike only to the bare minimum liability requirements - no higher. HOWEVER, most insurance agents and industry experts argue against this practice.

Why?

Because cost of medical care has significantly outpaced CA Dept. of Insurance guidelines. When the cost of a single cut on the hand can top $3,000 (ER visit, complex stitches, Tetanus shot) and surgical treatment of a broken leg costs $17,000 to $35,000, fifteen grand worth of personal injury liability coverage does not seem like very much...because it's not.

Plus, you must keep in mind that you could be liable not only for a person's medical care, but wages lost as a result of injury, court fees, and lots of other costs.

For this reason, most insurance experts will advise you to insure your bike with 3X the state-mandated motorcycle liability coverage:  $45,000 for a single person injuries, $90,000 for all injuries per accident.

Protecting Yourself from Uninsured Motorists

According to a study published in Insurance Journal, the Insurance Research Council (IRC) estimates that 25% of California drivers are uninsured. Basically, that means if you are involved in an accident, there is a 1 in 4 chance that the other driver does not have liability insurance to cover damage to your bike, not to mention injuries you suffer.

Don't let the negligence of another driver ruin your financial well-being. You can get Uninsured/Underinsured Motorist Coverage (UM/UIM) to protect you from such a scenario. It's really a smart option, given that in many motorcycle-related accidents, the automobile driver is found to be at fault.

Riders' Poll

Is Your Bike Insured?

See results

Comments

    0 of 8192 characters used
    Post Comment

    No comments yet.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)