I am not a legal expert, but I can provide some general information. In California, the requirements for insurance coverage can vary depending on the type of vehicle, including electric bicycles and motorcycles. While electric bicycles with certain specifications may not require insurance, motorcycles generally do.
Electric Bicycles: In California, electric bicycles that meet specific criteria are considered bicycles rather than motor vehicles. According to California law, an electric bicycle must have a maximum speed of 28 miles per hour on a level surface and a motor that is no larger than 750 watts. Electric bicycles meeting these criteria are generally not required to be registered or insured. However, it's essential to check the specific regulations and requirements related to electric bicycles in California to ensure compliance.
Motorcycles: In California, motorcycles typically require insurance coverage. Whether or not you have a car registered under your name, the motorcycle will likely need its own insurance policy. Motorcycle insurance is important for protecting yourself, your bike, and others in the event of an accident or damage. Minimum liability coverage is mandatory in California, and you may choose to add additional coverage options for comprehensive, collision, and uninsured/underinsured motorist protection.
It's crucial to consult with an insurance professional or contact the California Department of Motor Vehicles (DMV) for the most accurate and up-to-date information regarding insurance requirements for both electric bicycles and motorcycles in your specific situation. They can provide guidance based on the type of vehicle, your registration details, and other relevant factors.