Motorcycle Insurance in Manteca, CA

Motorcycle insurance may cover financial losses related to owning and operating a motorcycle. When you purchase a policy, the insurer may agree to pay for certain costs after an accident or other covered incident in exchange for a premium.

Do I Need Motorcycle Insurance? 

California mandates riders to carry at least a minimum level of liability insurance. Failing to do so can result in fines, license suspension or impoundment of your motorcycle. Additionally, if you finance your bike, lenders will likely require insurance to protect their investment.

What Does Motorcycle Insurance Cover?

Motorcycle insurance policies often include several types of coverage that help address specific situations. The following are standard options:

• Liability coverage may help pay for accidental property damage or injuries caused to others.
• Collision coverage may cover repairs to your motorcycle after an accident, regardless of fault.
• Comprehensive coverage may cover losses unrelated to a collision, such as fire, theft and vandalism.
• Uninsured/underinsured motorist coverage may cover accident-related expenses if the at-fault driver lacks liability coverage.
• Medical payments coverage may cover medical care for you and your passenger after an accident.

How Much Motorcycle Coverage Do I Need?

To determine the appropriate coverage, consider the value of your motorcycle and how often you ride. If you own a newer or high-performance bike, consider adding collision and comprehensive coverage. Riders who commute daily or travel long distances may also benefit from higher liability limits and additional coverage like roadside assistance or medical payments. On the other hand, if your motorcycle is older or rarely used, you might consider a basic policy that meets state requirements but excludes extras.

Consider also your financial situation. Higher coverage limits may increase premiums, but they can reduce your out-of-pocket expenses after a crash. If you have significant assets, carrying more liability coverage may help shield you from lawsuits.

ServiPronto Insurance Services is committed to helping you secure your ideal motorcycle insurance policy. Contact us today to get a custom quote.