California does require you to buy a liability insurance policy specifically for your motorcycle, and the limits are the same as for a car: $15,000 for injury to another person, $30,000 for injury to two or more people, and $5,000 for property damage. Your regular car insurance policy won't cover any damage you do to someone else while you're riding your motorcycle. However, if another driver hit you or caused the accident, their insurance policy should be the one paying for it. Since there are so many underinsured drivers in the San Diego area, it's a good idea to get uninsured/underinsured motorist coverage on your own policy. This can help cover you in a motorcycle collision.