When you are looking to spend an exciting day on the road in California, one of the best things you could do is cruise through the highways on your motorcycle. While many people consider a motorcycle to be a recreational vehicle, it is also a vehicle that needs to be properly covered by insurance. There are several factors that you should consider when you are looking to get a new motorcycle insurance policy.
Just like when you were driving a car in the state, all people in California are required to carry at least liability motorcycle insurance coverage whenever they are on the road. In this state, you will need to make sure that you have at least $15,000 in bodily injury coverage per accident per person, with a $30,000 per accident cap as well as $5,000 in property damage coverage. Any less than this, and you will be in violation of the law.
While it is not required by the state, you should also consider getting collision and comprehensive coverage on your policy. The base liability coverage option will only provide you with coverage for liability expenses that you incur. This will not cover your motorcycle at all. If your bike is expensive, or if you have a loan against the motorcycle, you should consider getting a collision and comprehensive policy. This will provide you with a lot of protection for your asset.
Once you find the ride of your dreams, you should contact KC Wilson Insurance & Financial Services LLC in San Jose, CA. One of the main benefits of meeting with KC Wilson Insurance & Financial Services LLC is that our agents will help you to understand your insurance needs better and educate you further on the issues. While there are base requirements set forth by law and lenders, it is often hard to figure out what type of coverage you should get. Contact our offices in San Jose, CA to get a quote and learn how you can get started on a policy.