Motorcycle Insurance in Roseville, CA
Having motorcycle insurance is beneficial no matter where you ride. If you cause an accident resulting in injury or property damage, your motorcycle insurance policy may cover legal defense costs and claims up to the policy limits. It’s like having a reliable co-pilot that helps keep you financially protected on every journey.
What Is Motorcycle Insurance?
Like auto insurance, motorcycle insurance may provide financial assistance following various mishaps. You pay regular premiums to an insurance company, and in return, they may agree to cover accidents, theft and other unforeseen events up to your policy limits.
Is Motorcycle Insurance Mandatory?
Yes, California and many other states require riders to show proof of financial responsibility to register and operate a motorcycle. To satisfy this requirement, most riders retain minimum levels of liability coverage. However, it’s best to consult an insurance agent to assess your coverage needs and help ensure you’re adequately covered.
What Does Motorcycle Insurance Cover?
Your policy’s scope of financial protection will depend on the types of coverage you choose. Many motorcycle insurance companies offer the following coverages:
- Liability insurance may cover injuries to another person or damage to their property that resulted from an accident you caused while riding your motorcycle.
- Collision coverage may pay for repairs or replacement of your motorcycle if it is damaged in a crash, regardless of who is at fault.
- Uninsured and underinsured motorist coverage may help if you are in an accident caused by another driver who lacks sufficient liability insurance.
- Comprehensive coverage may pay for damage to your motorcycle due to noncollision events, such as fire, theft, vandalism and weather-related incidents.
You can choose the amount of insurance to purchase, but remember that higher coverage means a higher policy cost. Even if California has minimum insurance requirements, opting for more than the mandatory minimum coverage is wise.
Contact us
S&G Mitchell Insurance Agency, Inc. offers motorcycle insurance solutions at affordable prices. Contact us today for expert motorcycle insurance advice.