What Is Motorcycle Collision Coverage?

Living in Temecula, CA gives you many opportunities to enjoy the beautiful weather on a motorcycle. Friant Insurance Agency knows how great riding in California can be, but even the safest motorcycle riders can get into serious accidents. When your bike becomes damaged, you want to know if its repairs will be covered. Collision coverage helps cover the damage.

When you are in a motorcycle accident, motorcycle collision coverage can help you out of a tough spot. Here’s what you need to know.

Motorcycle Collision Coverage Is Not Required

In California, all vehicles must have liability insurance. This includes motorcycles. California requires all drivers to have liability coverage for accidents up to $15,000 for injuries to one person and $30,000 for injuries to multiple people. Additionally, the state requires $5,000 for damage to property.

As you can see, collision coverage is not required, but buying this kind of policy is still a good idea. If you are at fault for an accident, your standard policy may not cover bike repairs or replacement. Collision coverage ensures you are not left without repair options.

Motorcycle Collision Policies Cover Your Bike

When you buy collision coverage, the policy covers repairs to your own bike after an accident, even if you are considered the faulty party. Whether you collide with another vehicle or an object, like a guard rail or a tree, your damage may be covered.

Are you looking for motorcycle collision coverage? If you ride in Temecula, CA, it may be wise to look into your policy options. Check out Friant Insurance Agency to see what policies are available for your bike.