Breezing down the Golden State’s coastal highways on your new motorcycle is a rite of passage. However, it's an adventure fraught with potential risks. Motorcycle insurance isn't just a legal requirement; it's your safety net on the road.
But just like navigating a twisty canyon, purchasing coverage can be a tricky affair, especially in a state with complex insurance laws like California. Whether you're a seasoned veteran or a newer biker, here are the top five common mistakes when purchasing motorcycle insurance in California—and what to do about them.
Mistake 1: Underestimating Coverage Needs
California’s minimum insurance requirements may seem like a cost-effective option, but does it truly protect the rider in the event of a severe accident? With damages that can easily exceed these requirements, underinsurance might leave you shorthanded in medical bills and repair costs.
Quick tip: Consider comprehensive and collision coverage if you want full protection for your bike and yourself.
Mistake 2: Not Considering Personal Injury Protection (PIP)
When we're riding, the threat is not just to our bikes. It's to our bodies. Personal injury protection (PIP) is a way to ensure you have coverage for medical expenses regardless of who’s at fault. However, it’s not your only option. Medical payments coverage (MedPay) may also be a consideration but differs in its application. Understanding the nuances of each and choosing one is a critical step for all riders in the California sunshine.
Mistake 3: Overlooking Uninsured/Underinsured Motorist Coverage
Too often, riders leave themselves wide open to the whims of the roads and other drivers. Uninsured/underinsured motorist coverage is there to pick up the slack when the other party can't cover it. It’s not just an option; it’s necessary for making your insurance plan bulletproof.
Mistake 4: Not Updating Your Policy for Bike Modifications
That custom exhaust or those cutting-edge LED lights aren't just for show; they can significantly change your insurance needs. It’s about more than just the aesthetics and performance. Modifications can affect the replacement costs in the event of a claim, which could leave you paying out of pocket if your insurance isn’t up to date.
Mistake 5: Failing To Shop Around for the Best Rates
Loyalty might be a virtue, but when it comes to insurance, so is smart shopping. Insurers look favorably on customers who take control and shop around for the best options. Motorcycle insurance is no different. Use online comparison tools to explore all possibilities. And don't forget about those sweet discounts. Ask about safety courses, membership perks, and even bundling with other policies.
Your motorcycle insurance is your lifeline in moments of crisis, so you shouldn’t just breeze through the policy without the care it deserves. Review these common California motorcycle insurance mistakes as a checklist and ensure you have protection, not just legally but practically. For cheap motorcycle insurance online, contact Saferoad Insurance! We’re always looking forward to helping our California riders.