If you are someone who prefers hitting the road with nothing in between except a sleek V-twin, you are not alone. The latest DMV statistics (through 2014) show over 800,000 motorcycles are registered in California. Just as cars and trucks are required be covered by minimum liability insurance limits, motorcycles are, too. You are also required to keep proof on insurance with you when you are out riding.

In order to be compliant with California law, your motorcycle insurance policy must include liability insurance coverage at least at these minimums: $15,000 for injury/death to one person; $30,000 for total injury/death if multiple people are hurt in the accident; and $5,000 for damage to property.

Not sure if you need insurance for your motorcycle? If it has a license plate, you need liability coverage. Like any other vehicle, you cannot register your motorcycle with the DMV without the minimum required liability coverage. Bear in mind that liability insurance just covers people and property affected in an accident. You and your bike are on your own without additional comprehensive and collision coverage.

Also remember that in some states, you can get away with not wearing a helmet as long as you have a certain amount of insurance coverage, but not in California. The state requires all operators and their passengers to wear an approved safety helmet at all times.

Check with your insurance professional to see if you are carrying the required coverage for your motorcycle, or if you need to be a little more protected. Also ask if completing a motorcycle safety course will reduce your premium. Ride safe!