Here in San Diego we’re very lucky to have the type of weather that allows us to drive our motorcycles year round. It’s important to understand that every time you get on your bike, you’re putting yourself at risk. At Prosper Insurance, we can help you find a comprehensive motorcycle insurance policy if you live in San Diego, or any other part of California.

Why do I need Motorcycle Coverage?

In the State of California any vehicle that is registered for public roadways must carry liability insurance coverage. This included Motorcycles, ATV’s, and even registered golf carts. Besides that basic reason there are also a lot of other reasons why Motorcycle insurance is important.

But I have home and auto insurance so I’m good!

In the State of California, there is no extension of coverage to your “toys” from your auto or home policies. Your “fun” vehicles need to carry their own insurance policy to make sure you are not only getting liability coverage but physical damage coverage also.

Some of the major components of a Motorcycle insurance policy are:

Liability Coverage– This coverage just like your auto insurance coverage is going to protect you from financial risk if you are found negligent for someone else’s bodily injury in an accident. If you are unsure if you are protected or if you have enough coverage please call a local agent to discuss your options.

Medical Payments– This coverage provides protection for your bodily injury (regardless of fault) if you are injured in an accident.

Property Damage to your Toy – This is made up of two coverages in the State of California. Comprehensive and Collision Coverage. Each one of these coverages provides you with difference options to protect your “toy” if it is hurt  in an accident. Be sure to talk with us about comfortable deductible options that work for you and your family.

Uninsured and Underinsured Motorist Coverage– In San Diego we offer a coverage that would provide you coverage is you were injured in an accident by someone who didn’t have insurance or didn’t have enough insurance to cover your bodily injury if you were in an accident caused by another party.

This coverage is not required by law but so important that you are offered it.

If you live in San Diego and are looking for motorcycle insurance give us a call and we’ll take great care of you!