California’s new motorcycle vest: $1,000 motorcycle insurance for the elderly
By Olivia O’Donnell-McGowanCalifornia lawmakers are considering legislation that would give the elderly a much needed motorcycle insurance policy.
The measure, which would apply to all registered motorcycles in California, would require motorcycles to be insured by a company that would be owned by the owner and would cover accidents, theft and other serious issues.
The proposed legislation has already been referred to the state Assembly and Senate committees on transportation.
If approved by both chambers, the legislation would also apply to motorcycles manufactured after November 1, 2021.
“We have had a lot of stories of motorcycle accidents where the rider’s motorcycle has been stolen,” said Sen. Nancy Skinner, D-San Jose, a co-sponsor of the bill.
“We don’t want to see the same thing happen to our elderly.”
Under the legislation, motorcycles would be required to carry a motorcycle insurance cover of $1.50 per mile for the life of the motorcycle, a $25,000 deductible and a $1 deductible for each accident, theft or other serious issue.
Motorcycle riders would be exempt from the $1 million deductible if they are insured by an employer, or if they have been issued a motorcycle liability policy.
Mountain biking and horseback riding are exempted from the deductible if the rider is accompanied by a child under 12 years old.
Mopeds and recreational vehicles would not be subject to the $250 deductible, but a $2,000 maximum deductible would apply.
The legislation would require the motorcycle insurer to notify the state Department of Motor Vehicles of any motorcycle that has been involved in an accident, stolen, stolen property or damage, or is otherwise at risk of having an accident or collision, the bill said.
It would also require the insurance company to report a motorcycle’s mileage to the DMV within 45 days.
“This is a simple and straightforward bill that addresses the needs of our elderly, our children and our families,” Skinner said.
The bill passed the Senate Judiciary Committee on a 14-4 vote last month, with one member abstaining.
The Assembly Transportation Committee passed the bill by voice vote on a 6-3 vote, and the Senate Finance Committee approved it by voice.
It has the support of the California Bicycle Coalition, the Bicycle and Pedestrian Alliance, California’s National Bicycle Coalition and the Motorcycle Safety Coalition.
The American Hospital Association has also expressed support for the legislation.
“In the era of auto insurance, the state of California has an opportunity to ensure that all riders have access to a high-quality, affordable motorcycle insurance option,” said Dr. Michael J. Roper, the group’s president.
“The legislation I am proposing will ensure that motorcycles are safe, well maintained and fully covered for any injuries, damages or other damage to a motorcycle.”