First off, no legitimate insurance company would write a policy on a home made china girl kit so you couldn't get insurance even if you tried. If you can find an insurance company willing to write a policy on one of these bikes please let us all know on the forum! Also, only 1 mirror is required on the road side (left handlebar). In CA lights are only required if you are riding after dusk. Also, as I understand it, your helmet must be a motorcycle approved DOT certified helmet, NOT just a bicycle helmet.