California law requires that all registered motorcycles have insurance. The motorcycle has been known as one of the most dangerous modes of transportation. With motorcycle accidents on the rise, it’s vital to have reliable motorcycle insurance to stay protected on the road.
At Los Gatos Insurance Services in California, we are an independent insurance agency, and we offer motorcycle insurance. When purchasing motorcycle insurance, it’s important to understand the different coverage options available. The following are some of the coverages offered by motorcycle insurance.
If you are responsible for causing an accident, you have the legal obligation to meet the expenses that may arise. This coverage pays for property damage. It also pays for the medical expenses from injuring a person in an accident.
This coverage helps pay for damage to your motorcycle. However, it doesn’t pay for damage resulting from a collision as it is covered in collision coverage.
Underinsured coverage protects you against drivers whose insurance can’t pay for some of the damages.
Uninsured coverage protects you if you are involved in an accident with a driver who doesn’t have liability insurance. These coverages can also protect from a hit and run accident.
If you are involved in an accident, and you and your passengers sustain injuries, this coverage will pay for the medical expenses.
This provides help with a jump, flat tire, or a tow. Coverage can be increased to include trip interruption expenses when traveling more than a certain distance from your home.
Motorcycle insurance is not limited to the coverages mentioned above. The policy can be tailored to meet your the needs and lifestyle. If you own a bike and don’t ride it, you still need protection from things like theft, fire, damage, and an impulse ride. If you own a motorcycle, we at Los Gatos Insurance Services in California will help you get a policy that fits your needs. We are eager to hear from you!