California Motorcycle Insurance Laws

California law requires that all registered vehicles, including motorcycles, have insurance. The DMV states that “this is to help ensure that drivers and riders are able to pay for damages or injuries they may cause to others in an accident.” If you or a loved one is injured in a motorcycle accident, you have the…
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California Motorcycle Insurance Laws

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California law requires that all registered vehicles, including motorcycles, have insurance. The DMV states that "this is to help ensure that drivers and riders are able to pay for damages or injuries they may cause to others in an accident." If you or a loved one is injured in a motorcycle accident, you have the legal right to seek financial compensation from the person who caused the accident.

Liability insurance

In order to abide by California law, your motorcycle insurance policy must have liability insurance coverage. This is in case you cause an accident. In other words, liability insurance coverage pays for the property damage and bodily injury your negligence results in for others. Here are the minimum liability coverage limits required by California:

  • $15,000 for injury/death to one person
  • $30,000 for total injury/death if multiple people are hurt in the accident.
  • $5,000 for damage to property

Motorcycle insurance facts

California is full of surprises — and this includes facts relating motorcycle insurance.

  1. You need to have proof of insurance on you when riding your motorcycle. A motorcyclist must always carry their insurance card on their person or in a compartment on the bike.
  2. Typical motorcycle insurance does not cover customized bikes. Talk to your insurance company about getting coverage for customized motorcycles.
  3. The law does not require you to have insurance for a dirt bike. However, protecting your bike and yourself is never a bad idea.
  4. Your motorcycle can be impounded if you are caught riding without insurance. What's more, the authorities won’t release your motorcycle until you do in fact obtain the required insurance for it.
  5. If you are injured in a motorcycle crash and you don’t have motorcycle insurance, you cannot recover non-economic damages. These damages include pain and suffering, disability or disfigurement, and loss of consortium (i.e., the ability to have or enjoy sex).

Motorcycle riding can be a thrilling experience, especially when you are winding in and out of LA traffic. Unfortunately, motorcyclists are also at risk for being injured in auto accidents. If you or a loved one was injured in a motorcycle that was not your fault, know that California law and the experienced accident attorneys at Ghozland Law Firm are on your side. Contact them today for a free consultation.

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Our employment & personal injury attorneys recognize that the individuals we work with are typically going through overwhelming and stressful times in their lives. When an individual hires us, we strive to provide the client with the strong legal representation and effective counsel they need to receive fair and just compensation. Our experienced attorneys are dedicated to helping our clients in their time of need. Our employment & personal injury team is comprised of well-respected lawyers who have been involved in several multi-million dollar settlements, earning us membership in the Million Dollar Advocates Forum®. This further demonstrates our ability to take on complex accident cases.

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With over 40 years of experience, we have handled many slip and fall cases. I can provide you with the caliber of legal services that is normally available only to large companies, due to my experience in large-scale litigation that has resulted in awards of millions of dollars on many occasions. In 2014, Michael Ghozland was named “Street Fighter of the Year” by Consumer Attorneys of California in 2014. Because of my outstanding trial record, winning your case will probably mean obtaining a private settlement, with no need to ever step into a courtroom. Insurance companies know my reputation, and most of them would rather settle than face me in a slip and fall lawsuit.