December 27, 2022 Posted In Motorcycle Accidents
Motorcyclists are subject to the same insurance laws as other motorists. As a result, you need motorcycle insurance to legally operate a motorcycle in California.
Under current California financial responsibility laws, motorcycle riders must carry minimum liability insurance of:
Liability insurance will pay for the damage and any injuries you cause in an accident. However, it will not protect you. Therefore, many motorcyclists purchase additional optional forms of motorcycle insurance.
Motorcyclists riding without insurance subject themselves to penalties if they are caught. The first offense is a fine between $100 to $200, and second offenses are between $200 and $500.
While a $100 fine does not sound like much of a repercussion, with additional penalties and fees, the fine can end up costing you closer to $450. Additionally, your motorcycle may be impounded and towed away. If an officer chooses to do so, you will not be able to retrieve it until you purchase insurance and can provide proof of coverage, as well as pay all towing and storage fees, which can be substantial.
If you are involved in a Riverside motorcycle accident without valid insurance or a self-insurance certificate, your license can be suspended for up to four years.
If you are at fault for a motorcycle accident and the other party’s damages exceed your liability policy limits, one of two things will usually happen. (1) You will have to voluntarily pay for the difference out-of-pocket, or (2) the injured party will file a lawsuit against you to recover the exceeding costs. If the other party receives a judgment against you and you fail to pay, a lien can be filed against you and your assets. If that were to happen, you would need to pay the judgment in full or set up a payment plan so that your wages are not garnished or your assets seized. As a result, many motorcyclists choose to purchase policies with higher liability coverage limits than the minimum amounts required by California law.
Motorcyclists have the option of purchasing additional coverage, such as the following: