Just like cars in the state of New York, motorcycles also need to be insured in the Empire State.
Motorcycle Insurance Requirements in New York
In the state, you must carry liability insurance to help you cover the cost related to any property damage or bodily injury in a crash you cause. The minimum coverage must include minimum amounts of coverage:
- per person for bodily injury
- for total bodily injury (this is required in case more than one person is hurt in an accident)
- per person for death expenses
- to cover if there are multiple deaths
- to cover property damage
Why Should You Have More Coverage?
The above limits are only the minimum, and you may want to consider more coverage if you have a valuable asset that you could lose in a lawsuit. There are also optional coverage options to consider so that you and your property are both protected in the event of an accident.
- Comprehensive coverage will help cover your bike if it is involved in a different type of an accident, excluding traffic.
- Collision coverage will cover your bike if it's damaged in an accident.
- Uninsured/underinsured insurance will cover costs if you are in an accident that is caused by someone that doesn't have insurance.
Other Things to Know About Motorcycle Insurance
It's important to note that the name on the insurance needs to match the name on the registration for the motorcycle. You also must get your insurance policy from an agency that is licensed to do business in New York, such as Lopez Multi Services. Motorcycles are not required to have Personal Injury Protection (PIP) like autos are required to have in the state. Unlike car owners, motorcycles do not have to surrender plates during a lapse in coverage, but you would not be able to operate your bike during a lapse.
Contact or visit Lopez Multi Services to find a motorcycle insurance policy to suit your needs.
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