Riding a motorcycle is a unique experience from driving any other vehicle on the road. It’s just you and the road with a motorcycle and there’s no other experience that can replicate it. Just as you would with a car, you are required to carry motorcycle insurance to legally ride on the road in New York. We will cover the different types of motorcycle insurance available to choose from and what they entail. Acme Insurance Brokerage in Amityville, NY offers motorcycle insurance and other insurance needs.
There are similar coverages and limits between motorcycle insurance coverage and car insurance coverage. Motorcycles do have unique add-ons which we’ll cover later, but in essence, the terms used in both cars and motorcycle policies are almost interchangeable.
Personal Liability / Property Damage
Personal Liability and Property Damage remain the base upon which your insurance cover sits. This form of coverage is required in all states and must have a minimum coverage level in a dollar amount that varies from state to state. The minimum coverages for motorcycle insurance in New York is $10,000 in property damage liability, $50,000 per person / $100,000 total accident in death liability, and $25,000 per person / $50,000 in total accident in bodily injury liability.
Motorcycle Insurance has unique add-ons in the form of lay-up insurance. You don’t ride a motorcycle year-round, especially in the snow-covered months of winter. So, lay-up insurance is a way to keep your bike insured while it’s stored for the winter months. There are other add-ons that you can add to your motorcycle insurance policy such as roadside assistance and other additions.
You can learn more about motorcycle insurance by contacting Acme Insurance Brokerage in Amityville, NY today!
Amityville, NY winters can be hard on a motorcycle. At Acme Insurance Brokerage, agents are able to help local motorcycle owners keep their ride protected all year long. Simple things like putting your motorcycle in a locked garage can keep it from being stolen, but there are other things that must be considered as well.
Winterize It Properly
Winterize your bike properly. After you’ve taken it out on one last ride for the year, fill the gas tank, and add a fuel stabilizer. Let the engine run for a few minutes to make sure the stabilizer makes its way through the entire system. Change the oil and filter as well. Clean or replace the air filter and remove the battery so it can be stored somewhere warm.
Keep It Covered
Keep your motorcycle covered. Buy a bike cover that fits your motorcycle. This way you won’t have any loose material hanging off the sides for you to trip over. It will also keep your bike from being scratched or marked up while it’s in storage.
Keep It Insured
Always keep your motorcycle insured. Even with today’s advanced security systems, bikes can be easily stolen if a person is intent on taking it. Keeping it insured will also protect you from loss if it is damaged while it is sitting in storage. A roof caving in or something falling from a rafter can do quite a bit of damage.
The agents of Acme Insurance Brokerage understand how important it is for you to keep your bike protected. Residents who live in or near Amityville, NY can call or stop by the office if they have questions about motorcycle insurance or how to keep their motorcycle more secure while it’s in storage.
For people that are in the Amityville, NY area, buying a motorcycle can be an excellent investment. When you have a motorcycle, you will have an efficient way to get around town and can also enjoy the fantastic weather that occurs during the year. However, if you are going to buy a motorcycle, you also need to ensure that you have it covered with a good motorcycle insurance policy. There are several reasons why someone should have motorcycle insurance in New York.
Ensure You Comply with the Law
One reason why you need to have motorcycle insurance when you are in New York is that it will make sure that you comply with the law. The state requires that all motorcycle owners carry insurance at all times. If these lapse, you could violate state laws and could face a variety of penalties, including the loss of all driving privileges.
Protects the Investment
When you buy a motorcycle, you are also making a significant investment and purchase. The best way to ensure that this is adequately protected is by getting motorcycle insurance. When you have a motorcycle, you are going to get coverage against many situations that could cause a loss for you in the future, including vandalism or theft.
Those that want to own a motorcycle in the Amityville, NY area need to have the right insurance coverage in place. One of the best ways that someone can do this is by contacting the team at Acme Insurance Brokerage. When you speak with the professionals at Acme Insurance Brokerage, you will learn a lot more about all of the insurance options that you have. This will make it a lot easier to pick a solid policy for your situation.