If you live in Orange County California and have considered purchasing a motor cycle, research the law and insurance facts before buying. There are differences in California law regarding motorcycles as opposed to autos, as well as differences in how insurance companies will quote a premium for the bike. So, before calling Orange County Insurance Companies for quotes, research some of the basic differences in law between the two modes of transportation.
The law regarding the use of motorcycles on California roads might appear (to the uneducated eye) to allow more protection for the automobile driver than the motorcyclist. In actuality though, this is not really true. However, to a motorcyclist that has just survived an accident in which an auto was involved; he may argue the point. There is solid evidence to substantiate the fact that more severe injuries generally occur to the motorcyclist, in a motorcycle/auto accident, than to the driver of the car.
Accident history throughout the USA will invariably show that victims or witnesses of an auto/motorcycle accident will typically place the blame on the motorcyclist. There is no solid explanation for why this happens but perhaps the reason is just basic human nature? Most people would have to admit that at some point they have resented a motorcyclist who is fearlessly zipping in an out of traffic, splitting lanes and speeding. In one’s opinion, it seems that the motorcyclist is not even conscious of basic traffic safety rules while simultaneously making more noise than one’s ears can handle. Therefore, when the source of the irritation winds up in an accident five miles up the road, naturally everyone wants to believe that the motorcyclist is the one at fault. So, when you call the Orange County Insurance Companies in search of the right agent, make sure that he specializes in motorcycle policies for assurance that you have adequate protection.
An agent that knows motorcycle insurance will be familiar with issues that should be of concern to you once your bike is on the road. He will be able to explain some fundamental requirements that the insurance company needs. These requirements will differ somewhat from basic car insurance, so ask questions.
An agent not specialized in the needs of the motorcyclist might also fail to advise you of available discounts. For instance, if the motorcycle is stored in a garage, if you belong to certain riding groups, or if you have completed a safe rider course, all might allow for a discount on your premium. So before you originate a loan or pay cash for that hot Hog, call a few Orange County Insurance Companies. Takes the time to understand the provisions in your policy, especially regarding accident claims. Once that is done, sit back on that easy ride and enjoy the beauty and splendor of Orange County to its fullest.