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Frequently Asked Questions

Motorcycle Insurance

Can I Cancel My Insurance When it’s too Cold to Ride?

You can, but it would be a mistake. Even if there is 5 feet of snow on the ground, someone could still steal your motorcycle or your garage could catch fire. Also, you wouldn’t be able to get out on the road on the one nice day that does come along!

What Won’t My Motorcycle Insurance Won’t Cover?

Typically, your insurance will not cover you if you are riding in a race or other competition (unless you have specialized insurance). It won’t cover you if you use your bike for commercial purposes. Depreciation or normal wear and tear is not covered.

Can I Put Aftermarket Accessories on My Motorcycle?

You can, but you should check with your insurer first and make sure your policy will cover these expensive additions in the event of an accident or theft.

What are the Highest Levels of Liability I Should Buy?

For the best protection, you should purchase an amount that is equal to or greater than your total net worth. That way, if you get sued because of an accident you caused, your assets will be protected.

Do I Have to Wear a Helmet in California?

Yes, all motorcyclists in California must wear a helmet. Being caught riding helmetless may lead to a fine of up to $250 and/or probation for a year.

What is the Best Type of Motorcycle Helmet?

Since California requires that all riders wear a helmet, find one that is DOT-approved. Many riders prefer a full-face helmet with a visor for maximum protection, not only against head trauma in the case of an injury but also injuries caused by flying objects or rocks and debris kicked up from other motorists. Others prefer a half-helmet. Make sure it fits snugly and get a new one if yours gets dropped or gets in an accident.