Laguna Niguel Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in Laguna Niguel

• Minimum Liability Limits in Laguna Niguel, CA: 15/30/5 ^[2]
• • 15  Required coverage up to $15,000 for one individual injured in an accident
  • 30  Required coverage up to $30,000 for all persons injured in an accident
  • 5  Required coverage up to $5,000 for property damage in an accident
  • Note: CA has a California Automobile Assigned Risk Plan for low-income drivers with low-cost policy limits of $10,000/$20,000/$3,000.

• Insurer Verification of Insurance in Laguna Niguel ^[2]
• • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
  • Insurer must verify financial responsibility or insurance after an accident or arrest.
  • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Laguna Niguel Motorcycle Insurance Liability Requirements

Mandatory motorcycle insurance coverage for riders in the state of Laguna Niguel, CA.

• Motorcycle Insurance Requirements in Laguna Niguel ^[2]
• • Bodily injury liability coverage
  • Property damage liability coverage

Motorcycle Helmet Laws in Laguna Niguel

• • Motorcycle helmets required for all riders. ^[3]

Motorcycle License Regulations in Laguna Niguel, CA ^[3]

Detailed information about Laguna Niguel laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

• Motorcycle License Laws in Laguna Niguel
• • Motorcycles may be operated by holders of instruction permits who are at least 15 years and 6 months old and have completed both an approved driver education course and a driver training course, or by holders of instruction permits who are at least 17 years and 6 months old.
  • Motorcycles may not be operated by either instruction permit holder after dark or on freeways and may not carry passengers.
  • Class M1 or M2 licenses shall not be issued to persons under 21 unless they provide evidence of completion of an approved motorcycle safety training program.

Motorcycle Equipment Laws in Laguna Niguel, CA ^[3]

Various regulations and laws in Laguna Niguel regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

• Motorcycle Equipment Laws in Laguna Niguel
• • All riders and passengers of motorcycles and mopeds must wear a safety helmet.
  • Eye protection is not required for riders in California.
  • A person shall not drive a two-wheel motorcycle that is equipped with handlebars so positioned that the hands of the driver, when upon the grips, are more than six inches above his or her shoulder height when sitting astride the seat.
  • Motorcycles must have at least 1 mirror located so as to give the driver a view of at least 200 feet to the rear of the vehicle.
  • Motorcycles must have 1 or 2 head-lamps that turn on automatically when the engine is started and remain lighted while the engine is running.