Whether you ride a motorcycle to work each and every day, or just enjoy going for a ride on the weekends, New York law requires you to carry motorcycle insurance. Our team of agents at Willoughby Insurance will help you find a motorcycle insurance policy that will protect you and your motorcycle at a great rate.
Much like auto insurance, there are minimum requirements for all motorcycle insurance policies, although they are a bit different. All motorcyclists must carry liability insurance to cover bodily injury and property damage costs in the event you were to cause an accident. Below are the minimum requirements for each type of liability insurance.
- Bodily Injury – $25,000 per person
- Total Bodily Injury – $50,000 if multiple people are injured in an accident
- $50,00 for Death per person
- $100,000 for multiple deaths in an accident
- Property Damage – $10,000
You may have heard that New York is a no-fault state. This means that drivers have to carry personal injury protection insurance to cover injury related expenses, regardless of who is at fault. It is important to note that no-fault laws do not apply to motorcycle insurance and motorcyclists do not have to carry personal injury protection insurance.
As with any most other types of insurance, there are minimum levels of coverage as well as optional coverages to further increase your protection. State required motorcycle insurance does not cover any damage that may occur to your motorcycle or any injuries you may sustain. The two most common motorcycle policy additions are the same as that of auto insurance. These are comprehensive and collision coverage.
Comprehensive coverage will cover repairs to your motorcycle if it is damaged by a non-accident related incident while collision coverage will cover accident related damage. Other optional coverages include medical payments, uninsured/underinsured motorist coverage, custom parts coverage, and towing/roadside assistance coverage.
There are a number of discounts available for motorcycle insurance policies. You may qualify for premium discounts if you store your motorcycle in a garage, have taken certain motorcycle safety classes, or belong to certain rider groups. Policy discounts are also available if you bundle your motorcycle policy with other policies such as your home or auto insurance policy.
Whether you are in Buffalo, Niagara Falls, Tonawanda, Blasdell, or Williamsville, Willoughby Insurance can help you with your motorcycle insurance needs. Contact us today for more information on motorcycle insurance or to receive a free quote!