Do I really need insurance for a motorcycle in California?

"1. What is the distinction between a term insurance and life time insurance policy? Which policy would work for what kind of people? 2. What're the exclusions for term plans i.e. demise due to some motives (for e.g. Destruction) that doesn't entitle for covered sum? What're different such causes? 3. Does expression insurance policy deathInsurance for a 16-year old over a hyundai tiburon?

Motor Insurance!?

"Just how much may be the averge quantity that I'd must spend when i include my auto- insurance and my teenager