Do you have the motorcycle insurance you need to protect your passengers?

Does your motorcycle policy have the right amount of liability and medical expense coverage? Manteca Insurance & Financial Services can help you answer that question. We are proud to provide the greater Central Valley, CA community with all of its insurance needs. Give us a call today if you want to make sure you have the protection you need.

Is it time to review your motorcycle policy?

Having the right motorcycle insurance goes beyond protecting your bike. Making sure that you have both the liability and the medical expense coverage that you need is just as important. Now is a great time to review your motorcycle insurance policy to ensure that you have the coverage that you need.

When it comes to personal liability, the more protection your insurance offers, the better. You don’t ever want to be held responsible for damage or injury that could occur with your motorcycle. Passengers are another potential liability. If you are involved in an accident that causes injuries that require medical care, you will want to have coverage for those expenses. 

It does not take long for liability and medical expenses to add up. Without the right level of protection, you could find yourself in a position where you are personally responsible for any monetary damages. Don’t let this happen to you! Make sure you have the coverage you need to protect yourself.

Give us a call or stop by today!

Manteca Insurance & Financial Services is here to answer all of the insurance questions that residents in the Central Valley, CA area may have. If it’s time for you to review your motorcycle policy to ensure that you have the coverage you need, give us a call today!

California Motorcycle Insurance: How to Prepare Your Bike for a Road Trip

Going on a road trip is half the fun of owning a motorcycle. You love your daily travels, but these are the things you get really excited about for weeks and even months. When you are planning a road trip, you need to prepare your bike so that your safety is optimized at all times.

At Manteca Insurance & Financial Services, we want Central Valley, CA motorcycle riders to feel safe on the roads at all times. Here’s how to prepare your bike before you hit the road.

Check Your Fluids

Make sure that your oil is changed if it needs it, and all of your fluids are topped up. You want to have a full gas tank, and everything refreshed before you go on your trip.

Make sure that your gas tank is full, and that you know how long it will take for you to go through a tank of gas. The range of your gas tank is an important thing to know before you go. Run your tank down once to know your mileage before you head out.

Extras to Remember

There are a number of extras to remember when you are on a road trip. Keep your spare key on you at all times. Carry it on your person, and not on the same chain or keyring that your main key is on. You never know when you are going to need it.

Check the Electrics and Controls

Make sure that your battery is in good condition, and that your controls are working. You also want to be sure that your lights are all in good working order.

Update Your Insurance Policy

When you are preparing for your next motorcycle road trip, make sure your bike is safe to travel great distances on. You also want to be sure that your insurance policy is up-to-date, and you have collision and comprehensive coverage. At Manteca Insurance & Financial Services, we want Central Valley, CA motorcyclists to be safe when they are taking road trips. Call us today to update your insurance policy and get peace of mind for your road trip.

Here’s How Motorcycle Insurance Works in California

Motorcycles are quite popular in California. Warm weather and traffic congestion make motorbikes a popular choice for sports riders and daily commuters too. Before hitting the road, motorcyclists need to make sure they have the proper insurance coverage to protect their property and to cover any liabilities should an accident occur.

The Californian state government requires motorcycle owners to carry insurance and also stipulates specific minimum liability coverage levels. If you ride a motorbike without insurance, you could end up on the wrong side of the law. Get in touch with Manteca Insurance & Financial Services, which serves Central Valley, CA, if you have any further questions!

Understanding Motorcycle Insurance in California

California requires motor vehicle operators to carry specific liability coverage maximums, meaning insurance will payout until a certain amount. Generally speaking, vehicle insurance offers different liability coverages to pay for different costs. For example, property liability costs are separate from bodily injury liabilities.

As for body injury liabilities, when operating a motorcycle in California, you need to have at least $15,000 in liability coverage for injuries to one person and at least $30,000 for two people. Medical bills, especially from a motor vehicle accident, can be very costly, and many drivers choose to increase liability coverage.

Further, California also requires motorcycle drivers to carry at least $5,000 in liability coverage for property damage. If you damage someone else’s vehicle, this coverage will help cover repair or replacement costs.

The above numbers represent minimums. Many California motorcycle owners take out additional coverage to pay more expensive bills. Medical bills from a car accident may exceed $30,000. If someone suffers a permanent injury, such as paralysis, costs can quickly pile up.

Further, the above minimums do not provide coverage for your property. You’ll need to take out additional insurance coverage to protect against damage to your own motorcycle. You may need to purchase additional coverage to cover theft, weather damage, and other things. Also, bodily injury insurance covers other people, but typically not your own medical bills. Again, separate coverage may be needed.

Have questions about motorcycle insurance in California? Contact Manteca Insurance & Financial Services, which serves Central Valley, CA.