Three things your motorcycle insurance policy should cover

It’s important for you to understand the coverage you get from your motorcycle insurance policy in El Centro, CA. At Armorcrest Insurance Services, we’re here to help you meet your insurance needs. 

The following are three things your motorcycle insurance policy should cover. 

Motorcycle insurance covers medical bills.

Any motorcycle insurance policy needs to include liability coverage to meet legal requirements. This liability coverage will cover the costs of medical bills resulting from any accident that the policyholder is deemed at fault for. 

When it comes to personal injury coverage, your California motorcycle policy should have at least $30,000 in total personal injury coverage per accident. 

Motorcycle insurance covers property damage.

In addition to requiring medical bill coverage, state insurance requirements in California also include property damage coverage. You will need to have liability coverage with at least $5,000 in property damage coverage.

For greater financial security, it’s a good idea to invest in additional property damage coverage over the minimum requirements set forth by law. 

Motorcycle insurance can cover damage to your bike if you buy collision coverage. 

There are many additional types of coverage that you have the option of purchasing. One example is collision coverage. If you do invest in collision coverage, your motorcycle insurance will cover damages to your own bike.

If you neglect to buy collision coverage, you will have to pay out of pocket if you damage your bike in an accident. That’s why it’s always a good idea to add collision coverage to your policy. 

Do you have questions about motorcycle insurance in El Centro, CA? We’re happy to answer any questions that you have. Contact us at Armorcrest Insurance Services with your inquiries and questions on motorcycle insurance policies.