With Summer fast approaching we are going to see more motorcycles on the road. Some riders find riding their motorcycle to be an exhilarating experience which offers a sense of freedom and others prefer the economy and being able to get through traffic easily. Like any other form of transportation, riding a motorcycle comes with inherent risks. Safety should always be a rider’s top priority and having motorcycle insurance in California can provide a crucial financial safety net in case of an accident.
Everyone who gets in or on a vehicle is at risk for a motor vehicle crash. The potential stakes for motorcycle riders are even higher. The National Highway Traffic Safety Administration says only 3% of all vehicles registered in the United States are motorcycles. Compare that 3% rate with 15% of all fatal accidents annually involve motorcycles. The riders who survive a crash often suffer injuries that involve a long recovery or even permanent disabilities. The disproportionate risks highlight the importance of having motorcycle insurance.
California Insurance Code 11580.1b makes it compulsory for every vehicle owner to have insurance coverage in the event they end up in an accident. The minimum insurance required under the law is:
- Injury or death of one person in an accident: $15,000;
- Injury or death of more than one person in an accident: $30,000; and
- Damage to property of another person: $5,000.
Although $15,000 may seem like a lot of money, it’s important to keep in mind that most injuries sustained in motorcycle accidents are typically serious ones that require expensive and long-term medical treatments. $15,000 quickly maxes out, leaving a seriously injured motorcycle accident victim still facing staggering medical bills.
Unfortunately, not everyone follows the law and far too many vehicles drive on California roads without proper insurance. Although the state may penalize uninsured drivers, that won’t help the injured victim after they’ve been hurt. Buying insurance above the minimum is like buying Peace of Mind.
Many policies offer additional coverage options, like: Collision and Comprehensive: This covers damage to your motorcycle in case of an accident (collision) or other unforeseen events like theft or vandalism (comprehensive). Uninsured/Underinsured Motorist Coverage: This protects you in situations where the at-fault driver has no insurance or not enough to cover your damages. When you invest in a comprehensive motorcycle insurance policy, you’re giving yourself far greater peace of mind. You can ride with the knowledge that in case of an accident, you’ll have the financial resources to recover and get back on the road.
We represent people who are injured because of the careless and reckless acts of others. At the end of the day your case can only be settled one time and you need to know all of the facts beforehand. The reason that insurance companies have paid our clients in excess of $130,000,000.00 is that we get the facts and are not intimidated at the prospect of going to trial when insurance companies fail to offer full compensation. We help with serious injuries that require serious representation. We are the Law Offices of Guenard & Bozarth, LLP. Our attorneys have more than 60 years of experience specializing in only representing injured people. Call GB Legal 24/7/365 at 888-809-1075 or visit www.gblegal.com We would be honored to represent you!
