December 27, 2022 Posted In Motorcycle Accidents
Anyone who owns or rides a motorcycle in California is required by law to carry insurance. Complying with the law is critical as it will protect you from significant financial risk if you are involved in an accident.
California has specific minimum insurance coverage requirements for motorcyclists under California Vehicle Code §16056. It is also referred to as 15/30/5 coverage, which includes:
Motorcyclists must carry valid proof of insurance and provide it when:
Failure to provide proof of financial responsibility after a collision can result in fines and license revocation.
Motorcycle insurance providers must offer uninsured motorist bodily injury (UM) and underinsured motorist coverage (UIM) by law (California Insurance Code §11580.2). These types of insurance are optional, but you must decline in writing. Uninsured or underinsured motorist coverage helps motorcyclists in the following scenarios:
California Vehicle Code §16002 offers the following alternative methods for establishing financial responsibility for an accident:
However, purchasing a motorcycle insurance policy is the easiest way to establish financial responsibility.
Having a motorcycle license is not technically required to purchase motorcycle insurance; however, most insurers will ask to see a valid motorcycle license. There are two motorcycle license options in California:
To operate a traditional motorcycle, you will must apply for a Class M1 license.
California law only requires you to carry 15/30/5 in liability insurance, but it is highly recommended to increase your policy limits. The minimum coverage amounts may be inadequate to cover a severe accident, which would make you accountable for the exceeding amount. If you cause a motorcycle collision in California, the other party has the option of filing a personal injury lawsuit against you for losses beyond your policy limits.
Other types of insurance are also highly beneficial for motorcyclists to carry, such as collision coverage, which allows you to file a claim with your insurer after an accident regardless of fault. There are also medical payments, comprehensive coverage, or theft coverage. If you or a loved one has been involved in a collision, contact our Riverside motorcycle accident attorneys for qualified legal representation.