If you operate any type of motor vehicle, including a motorcycle, you need to have proper insurance coverage to protect yourself in the event of an accident. In the state of California, motorcyclists must meet minimum insurance requirements.
The state of California requires all drivers to have a minimum amount of liability coverage. Liability insurance covers bodily injury or property damage that you cause to someone else. The minimum limits for liability coverage in California are 15/30/5 which means that drivers must be covered for the following:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
Liability insurance does not pay cover costs for injuries or damages you sustain as the result of an accident.
If you’re involved in an accident that results in damage to your motorcycle, these costs may be covered if you have a comprehensive insurance policy that includes collision coverage. Collision coverage is optional in the state of California but it is recommended that all drivers include it in their insurance policy. If you choose to purchase collision coverage, it will be up to you and your insurance agent to determine the value of the policy you need to purchase.
Underinsured/Uninsured Motorist Coverage (UM/UIM)
Being involved in a motorcycle accident can quickly become a nightmare if the other party involved is an underinsured or uninsured driver. Like collision coverage, underinsured/uninsured motorist coverage is not mandatory but it is a good way to protect yourself and your loved ones from a financial disaster. In California, you must purchase uninsured/underinsured motorist coverage in at least the same amount as your bodily injury coverage. Insurers are not required to provide more than $30,000 in UM/UIM coverage per person injured in an accident or $60,000 for all persons injured in an accident.
Medical insurance coverage pays the cost of your medical bills if you’re involved in an accident. In the state of California, medical coverage is also optional.
Having the right type and amount of insurance can help you to avoid financial difficulties if you’re involved in a motorcycle accident. Unfortunately, your insurance coverage cannot prevent the accident itself. If you or a loved one is injured as the result of the actions of a negligent driver, you may need to explore additional options to recover your losses. This may include filing a personal injury lawsuit against the other party. Enlisting the aid of an experienced motorcycle accident lawyer is the first step in protecting your rights.
Nadrich & Cohen, LLP specializes in representing San Diego motorcycle accident victims and their families. For more information on filing a motorcycle accident injury claim, call 1-800-718-4658.