Do I really need insurance for a motorcycle in California?

"1. What is the distinction between a period insurance and whole-life insurance policy? Which plan is suitable for what sort of people? 2. What are the exclusions for period insurance policies i.e. death as a result of some motives (for e.g. Destruction) that does not entitle for protected amount? What're reasons that are such that are other? 3. Does expression insurance policy deathInsurance for a 16 year old over a tiburon?
Car Insurance!?
"Howmuch may be the averge amount that I'd must pay after I include my auto- insurance and my teen