Category: Motorcycle Insurance

Buying a motorcycle is exciting. Not only are bikes cool, but they also provide an inexpensive mode of transportation. To get the most out of bike ownership, we recommend a few things here at ANA Insurance Brokerage Inc., serving Southgate, CA, and surrounding areas.

Take a Class

Driving a motorcycle is vastly different from driving a car or truck. If you’re new to motorcycles, it’s a great idea to participate in a motorcycle safety class. This type of class will teach you the ins and outs of driving a bike and how to stay safe out on the roads.

Pay Attention to the Weather

You should also always pay close attention to the weather when riding. The weather can play a big part in your safety on the road. It’s a good idea to have an alternate form of transportation should the weather turn bad. This way, you’ll always be safe.

Wear Protection

Certain types of bike protection are recommended for drivers. You should always wear a helmet and protective pants. In the event of an accident, these items can help protect your body from more severe injuries. Gloves are also recommended.

Don’t Take Risks

Driving a motorcycle can be exhilarating, but you should never take undue risks. A motorcycle class is helpful because it teaches you which risks to look out for.

Get Insured

A motorcycle is a slightly more dangerous vehicle than a car or truck, so insurance is even more important. Not only will insurance protect your expenses, but it’s also required by the law.

If you’d like to learn more about motorcycle insurance, please contact us at ANA Insurance Brokerage Inc., serving Southgate, CA, and the surrounding areas.

It’s important to learn your responsibilities when riding a motorcycle on public Southgate, CA streets. It can also be confusing because of how motorcycles are classified. Some smaller motorized bikes may not even be considered motorcycles under California law. ANA Insurance Brokerage Inc. can help you make sure you are covered.

What Is a Motorcycle?

In California, a motorcycle is a vehicle designed to travel with 2 or 3 wheels in contact with the ground. The motor must be at least 150cc. If the motor is smaller than that, the bike will be considered a mini motorcycle or a motorized scooter.

Mini choppers or pocket bikes are not permitted on public roads because they do not meet Federal Safety Standards. You can operate a motorized scooter on public streets as long as you are at least 16 and have the proper permit and helmet. Any vehicle considered a motorcycle will need a California registration before you operate it on a public street. You don’t need a registration for a scooter.

Registering Your Motorcycle

To register your motorcycle, you will need:

• either a California Certificate of Title or the name and address of the lienholder (if you have a loan),
• proof of insurance, either in the form of a vehicle liability policy (like auto insurance), a certificate from the BMV that you are self-insured, or a $35,000 bond from a licensed California bond company,
• a current, valid California motorcycle license,
• and the applicable fees.

Schedule A Consultation Today

Southgate, CA is a great place to ride a motorcycle, but you should make sure you’re protected. If you have any questions about motorcycle insurance and registration or just about insurance in general, please feel free to call ANA Insurance Brokerage Inc. today.

If you just bought a motorbike in California or just moved here from out of state, you should know that you must legally purchase motorcycle insurance before riding in this state. ANA Insurance Brokerage Inc. serves Southgate, CA and the surrounding area with the motorbike insurance it needs to protect its financial security.

State Minimum Insurance

In California, the law requires owners and riders of motorcycles to carry a minimum amount of insurance to protect the other individuals on the road. Your motorcycle must include:

• Bodily injury/death liability insurance in the amount of $15,000 for one person.
• Bodily injury/death liability insurance in the amount of $30,000 for two or more persons.
• Property damage insurance in the amount of $5,000.

That might sound like a lot of money, but it is not. It doesn’t cover your bike either.

Adding to the Basic Insurance to Cover Yourself

You can add other coverage to your motorcycle minimums to better cover your bike. Start by adding comprehensive and collision coverage. These ensure that you receive coverage for any loss from an accident that does damage to your bike. Collision covers accidents in which your bike collides with another vehicle or a stationary object, such as a telephone pole, fence, or building. Comprehensive covers you against financial loss if a named peril, such as fire or tornado damages your bike.

Also, include coverages like roadside assistance and med pay to round out your coverage. If you moved here from out of state, med pay bears a close similarity to personal injury protection (PIP) coverage available in many US states.

Contact Us Today

Let ANA Insurance Brokerage Inc. help you insure your motorcycle for the protection of your financial security. Insurance pays for liability and damages, so you don’t have to pay out of pocket. Call us today for insurance to protect your bike parked in Southgate, CA.

Motorcycle accidents can be very serious, and it’s vital to have the right insurance in case something happens. The thing is, accidents happen all the time, and not all of them are caused by careless driving. Sometimes it’s just bad luck or something beyond your control.

Here we discuss some of the most common motorcycle insurance claims:

Pillion Passenger Accidents

One of the most common motorcycle insurance claims is for pillion passenger accidents. This is when the person riding on the back of the motorcycle is injured in an accident. These types of accidents are often caused by the rider losing control of the motorcycle or by other vehicles on the road. If you’re a pillion passenger on a motorcycle, it’s essential to always wear a helmet and to be aware of your surroundings.

Collisions With Other Vehicles

Another common type of motorcycle accident is a collision with another vehicle. These types of accidents can often be caused by other drivers not seeing the motorcycle or by themselves being distracted. If you are involved in a collision with another vehicle, it’s important to get medical help immediately and contact a motorcycle accident lawyer.

Road Hazards

One of the most common motorcycle insurance claims is for road hazards. This can include things like potholes, debris, and even animals. If you hit something while riding your motorcycle, filing a claim with a professional insurance company such as ANA Insurance Brokerage Inc. in Southgate, CA is important. Otherwise, you may be stuck paying for repairs out of pocket.

Weather Damage

Another common claim is for weather damage. If your motorcycle is damaged by severe weather, you may be able to file a claim with your insurance company. This can include things like hail damage, wind damage, and even flooding.

Theft

Unfortunately, motorcycles are often targeted by thieves. If your motorcycle is stolen, you may be able to file a claim with your insurance company. In some cases, you may even be able to get a replacement bike.

Contact Us Today

ANA Insurance Brokerage Inc. in Southgate, CA sees a lot of claims for property damage, bodily injury, and theft. But no matter what the claim is for, it’s crucial to have good insurance coverage to protect you financially in case of an accident or other mishap. We can help you get the coverage you need so that you can relax and enjoy the ride.