California requires all motorcyclists to carry the minimum insurance. Insurance is important because it guarantees that all motorcycle riders will be able to pay for any losses or injuries they cause to others. For obvious reasons, it is not always easy to make sure that all drivers and motorcyclists carry insurance.
California is known as a “No Pay, No Play” state. In 1996, California passed Proposition 213. This law was intended to discourage everyone from driving or riding without insurance by limiting their ability to file for certain types of damages. This law also does not allow convicted felons who were involved in an accident to recover damages for any losses that were sustained while committing a crime or when fleeing the scene of a crime.
In short, if you are a motorcyclist without insurance and are involved in an accident, there will be limits to the damages you will be allowed to recover. For example, when the other driver is held liable for an accident, you may be able to recover some damages, such as medical costs, lost wages, and property loss. However, an injured motorcyclist will not be able to recover any damages for pain and suffering, or disfigurement