Motorcycle, ATV or Extra Vehicle? Understanding Your Insurance Needs Before You Hit the Dirt or Road

Buying a motorcycle, ATV or a second vehicle is exciting, but the insurance conversation often comes as an afterthought. In California, riding without the right coverage can cost you far more than the premium you were trying to avoid.

What Types of Insurance Do I Need for a Motorcycle, ATV or Extra Vehicle?

The coverage you need depends on what you are operating and where. A motorcycle used on public roads in California must carry state-required minimum liability limits for bodily injury and property damage. An ATV ridden strictly on private property sits in a different category, as California does not mandate ATV insurance for private property use, though liability and medical coverage are still worth carrying. Certain public lands, OHV parks, and trail systems may require proof of liability insurance before entry, so check local rules before you ride.

For an extra vehicle, your existing auto policy may not automatically extend to it. Coverage can vary by policy, so be sure to confirm with your agent before you drive it off the lot.

Common coverage types to ask about include:

• Liability coverage for third-party bodily injury and property damage
• Collision coverage for damage to your own vehicle or bike
• Comprehensive coverage for theft, fire or severe weather-related damage
• Uninsured or underinsured motorist coverage for when you’re in an accident caused by a driver who lacks liability coverage

Learn More

Contact Goal Auto Insurance Services Inc. today to review your insurance options and find coverage that fits how you use your bike or vehicle.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.