While riding a motorcycle does not cause you to instantly think of insurance, you still need to make sure you are covered in this respect. Therefore, you need to have some basic knowledge about this type of protection before you purchase an insurance plan.
Motorcycle Coverages
A motorcycle insurance quote in Santa Cruz should offer the following coverages if you want to make sure you are fully protected:
- Liability insurance for bodily injury and property damage. This mandatory insurance covers you if you injure another party or damage someone’s property. In California, the minimum liability coverage and property damage amounts are the same as those for your auto, or 15/30/5. That means you should have at least $15,000 of bodily injury insurance per person and $30,000 bodily insurance for everyone involved in the accident. Property damage coverage should be at least $5,000.
- Comprehensive and Collision insurance. These coverages are designed to repair or replace a motorcycle if it is damaged or stolen. These insurance coverages are usually optional unless you are financing your motorcycle and the protection is required by the lender.
- Uninsured and under-insured motorist coverage. This insurance product is designed to protect you if a person hits you and is at fault but does not have insurance or enough insurance to provide for your medical expenses or costs for property damage.
- Medical payments. This insurance covers the cost of your medical care. It can be used to cover the deductible on your health insurance coverage.
Usually, if you get an insurance quote for the minimum coverage, you should think about increasing the insurance protection. Most experts in the insurance industry do not believe that the state minimum mandates for bodily injury and property damage insurance are sufficient.
Make Sure You Are Protected
Compare each insurance quote you receive carefully to make sure you receive reliable coverage. It is important to have your motorcycle or car insured as driving without insurance can lead to a driver’s license suspension, the payment of fines, or even jail time.
Whether you need insurance for your car or motorcycle, you can obtain information about the coverage by contacting a company such as Coast Auto Insurance today.
