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Can I Make a Motorcycle Accident Injury Claim with My Homeowners Insurance in California?

When you own a home, and you purchase homeowners insurance, you’re buying coverage that might help repair or replace your home if it’s damaged or destroyed by certain perils, like a windstorm, a fire or lightening. You can even make a claim if a visitor to your property is injured in a slip-and-fall or trip-and fall, or their car is damaged from a tree limb that fell on it.

Homeowners Insurance Personal Property Coverage

You can also make a claim with your homeowners insurance if your personal property on the insured premises is damaged, destroyed or stolen by covered perils. As certain items are insured only up to a certain value, you might even be able to obtain extended coverage for things like jewelry or artwork.

Motor Vehicles Encounter Different Perils than Homes

Peril is the key to all forms of insurance. Insurance companies take perils into consideration when deciding to insure people or things. When something has a motor, and it can be driven on public roadways, the perils that are encountered are far different than the perils that might damage or destroy a stationary house. That’s why we insure our vehicles separately from our homes. In fact, there is no California law that requires us to insure our homes, but motor vehicle insurance in California is mandatory. On that basis, homeowners insurance can’t be used as a backup for motor vehicle insurance, especially for motorcycle insurance, but if you have health insurance, you can probably get your medical bills covered under that coverage.

Contact Us Right Away After Being Injured in a Motorcycle Accident

If you were injured in a motorcycle accident, and you believe that your accident and injuries were caused by the carelessness and negligence of somebody else, contact our offices right away. We’ll be pleased to make an insurance coverage assessment for you at no cost whatsoever. If we think that coverage exists, we’ll advise you accordingly, and we’ll tell you what we think we might be able to do for you.

Your car, home or life insurance are irrelevant for purposes of any injuries or other damages that you suffered in a motorcycle accident. Even the person who caused your accident was uninsured, we can still probably help you with an uninsured motorist claim if you have the appropriate motorcycle coverage. Ride with as much coverage as you can afford, including uninsured motorist insurance coverage on your motorcycle.


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