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!