Under present California law, if you do not have liability insurance and are injured by a negligent driver, you will not be allowed to recover any compensation for your personal injuries, pain, and suffering. This applies regardless of how severely you are injured, even if the other driver is totally at fault.

Additionally, if you hurt someone while operating your motorcycle, you may be financially responsible for that person's injuries and damages.

It's very important to make sure you insure your motorcycle, either under your personal automobile liability policy or separately.