Motorcycle Insurance
Southern California is one of the best places in the country to ride a motorcycle. The weather is warm, the roads are scenic, and the riding season never really ends. But with more time on the road comes more exposure to risk. Whether you ride a cruiser, a sport bike, a touring bike, or anything in between, having the right motorcycle insurance is essential before you hit the road.
At Ibrahim Insurance Agency in Corona, CA, we help riders throughout the Inland Empire find the right motorcycle coverage at a competitive price.
What Does Motorcycle Insurance Cover?
Liability Coverage
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Liability coverage pays for injuries and property damage you cause to others in an accident. This is the only coverage required by California law. It does not cover your own injuries or damage to your motorcycle.
Collision Coverage
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Collision coverage pays to repair or replace your motorcycle if it is damaged in a crash regardless of who is at fault. If you have a loan on your motorcycle, your lender will likely require this.
Comprehensive Coverage
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Comprehensive coverage protects your motorcycle from damage that is not caused by a collision. This includes theft, vandalism, fire, weather damage, and damage from animals. Motorcycle theft is a significant risk in California and comprehensive coverage is strongly recommended.
Uninsured and Underinsured Motorist Coverage
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California has a high rate of uninsured drivers. If you are hit by a driver with no insurance or insufficient coverage, this protects you from having to pay for your own injuries and damages out of pocket.
Medical Payments Coverage
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Medical payments coverage pays for your medical expenses and those of your passenger after an accident regardless of who was at fault. Given the vulnerability of motorcyclists in accidents, this coverage is particularly valuable.
Guest Passenger Liability
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If you carry a passenger and they are injured in an accident, guest passenger liability covers their medical expenses and potential legal claims. Standard liability coverage protects other people in other vehicles, not your own passenger.
Accessory and Custom Parts Coverage
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If you have invested in custom parts, accessories, or equipment for your motorcycle, standard collision and comprehensive coverage may not fully cover them. Many carriers offer additional coverage specifically for aftermarket parts and custom modifications.
Frequently Asked Questions
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Yes. California requires all motorcycle riders to carry minimum liability insurance. The minimums are $15,000 per person, $30,000 per accident for bodily injury, and $5,000 for property damage.
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No. Your personal auto insurance policy does not cover motorcycles. You need a separate motorcycle insurance policy.
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Yes. New riders may pay higher premiums initially due to their lack of riding history, but coverage is available. Taking a safety course can help offset the higher rate.
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Only if you have comprehensive coverage. Liability-only policies do not cover theft. Given California's motorcycle theft rates, comprehensive coverage is strongly recommended.
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Yes. Many carriers offer multi-bike discounts for insuring more than one motorcycle on the same policy.
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Yes. California motorcycle insurance policies provide coverage throughout the United States. However, you should make sure your coverage limits meet the minimum requirements of any state you plan to ride in.