If you are involved in a serious accident while operating your motorcycle and you lack sufficient insurance coverage, there are penalties and ramifications for failing to comply with California insurance laws.
As mentioned, you will likely be subjected to the full wrath of the “No Pay, No Play” rule which prohibits you from pursuing financial restitution for certain types of harms and losses stemming from a wreck. In addition, you could be subjected to a monetary fine and the loss of your driving privileges.