ClickCease Motorcycle Insurance | Information You Should Know About Your Motorcycle Insurance

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Fast Facts About California Motorcycle Insurance: Insight From the Best Motorcycle Injury Lawyers

Below, our experienced motorcycle accident attorneys will discuss basic motorcycle insurance requirements. If you have suffered injuries as a result of a motorcycle accident in California, the experienced motorcycle accident attorneys at West Coast Trial Lawyers are always here to answer any questions you may have about motorcycle accident claims and available damages.

A Car Insurance Policy Is Not A Motorcycle Insurance Policy

A Car Insurance Policy Is Not A Motorcycle Insurance Policy

First and foremost, it’s important to know that California requires motorcycle specific insurance, which is different and separate from car insurance.

Minimum Coverage For A Motorcycle Is The Same As For A Car

California law requires a motorcyclist to have the minimum amount of insurance coverage in order to legally ride a motorcycle. A standard California Motorcycle Insurance policy must cover:

  • $15,000 for any bodily injury that is incurred by another person
  • $30,000 for bodily injury done to others who are involved in an accident
  • $5,000 for all property damage caused by the collision

You are encouraged to purchase more coverage, but those are the minimum requirements. The minimum requirements for coverage are just that: the minimum. A policy which covers the minimum will not likely cover all your losses should you be found responsible for an accident, and you will likely have to pay thousands of dollars in out of pocket costs if an accident is particularly severe.

Liability Insurance Will Not Cover Damages You Incur If You Are Found Liable

As mentioned, a minimum coverage policy will pay for losses caused to someone else in the event that you are found guilty. However, any losses you suffer in an accident that you are responsible for will not be covered by a bare minimum policy.

A comprehensive motorcycle insurance plan is a good alternative, as it can cover repairs and non-collision related losses. It may cost a bit more, but it is a great long term investment.

Uninsured/Underinsured Coverage

Just like a comprehensive coverage policy is a good idea, so is Uninsured/Underinsured Motorist (UM/UIM) coverage. This coverage will offer financial protection if you’re involved in an accident that was not your fault and that was caused by someone with insufficient or no insurance.

Being involved in an accident with an uninsured driver is a nightmare. A motorcyclist would have to pay out of pocket to cover all their injuries and property damage. Adding UM/UIM coverage will cover those costs, up to the policy’s limits.

Modified Bikes Are NOT Covered By A General Motorcycle Insurance Policy

Modifications are not covered by a regular motorcycle insurance policy. You will need to purchase additional coverage to protect your unique modifications.

You Must ALWAYS Carry Proof Of Insurance

If a motorcyclist is pulled over without proof of insurance, he or she can potentially be fined $100 -- $2000. We recommend carrying a copy of your policy in your wallet or gear bag at all times.

Furthermore, a police officer can decide to impound your motorcycle if you are pulled over and do not have proof of insurance on your person. It’s not worth the risk.

Available Damages

Accidents happen. If you were injured as a result of someone else’s negligence, you may be entitled to compensation for your losses. Below is a brief explanation of damages. Damages are a type of monetary award that is determined by a court of law to help compensate an aggrieved individual for any losses or injuries sustained as a result of someone’s negligence.

Economic Damages

Economic damages are intended to compensate a plaintiff for losses that a dollar amount can readily be attached to. Economic damages are calculated by determining the amount of out of pocket losses an aggrieved individual has or will expect to incur as a result of their injuries. 

A few examples of economic losses include:

  • Loss of Earning Capacity
  • Medical Bills
  • Lost Wages

Non-Economic Damages

Non-economic damages are essentially intended to cover losses that are thought of as subjective and will not necessarily cover out of pocket losses. Non-economic damages may include compensation for:

  • Emotional Distress
  • Pain and Suffering
  • Loss  of Enjoyment of Life
  • Other Non-Economic Damanges

Punitive Damages

The third type of damages a California court may award are known as punitive damages. Punitive damages are intended as punishment and are only awarded when a defendant’s behavior is especially harmful. Punitive damages are relatively rare and in fact are only incorporated in 5% of all verdicts.

Furthermore, there is no real set standard for calculating and awarding punitive damages. Punitive damages are awarded at the court’s discretion and will vary depending on the specific circumstances of a case.

Contact West Coast Trial Lawyers to find out how we can help

If you have sustained injuries in the city of Los Angeles as a result of a motorcycle accident, an attorney at our firm can  help you recover financial compensation for the losses you have suffered, including medical bills, property damage, lost wages, and pain and suffering. Call us today at (213) 927-3700 [email protected] to schedule a free consultation with our experienced, caring, and compassionate legal team.


If you have been injured in an accident, you can count on the legal team at West Coast Trial Lawyers to fight for your rights every step of the way. Contact us today to schedule your free case evaluation with a personal injury attorney.
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