Motorcycle Insurance Information
Motorcycle Insurance - Poughquag, NY
Also serving Lagrangeville, Hopewell Junction, Dutchess County and other areas in New York
Ride with Peace of Mind
Whether you are enjoying a long summer time ride, commuting to work, or have your motorcycle stored away for the winter, a motorcycle insurance policy can help protect you and your motorcycle. For some people, riding a motorcycle is also their way of life. Other ride their motorcycle for recreation or as a hobby. Whether it's your main transportation or your weekend ride, a motorcycle insurance policy may help protect your bike. From headlight to tail light, it's important to make sure you and your ride are covered. In New York, there are state minimum coverages that are required before you hit the road.
What Does NY Motorcycle Insurance Cover?
A motorcycle insurance includes coverage very similar to an auto insurance policy. For example: Bodily Injury Liability, Property Damage Liability, Collision coverage, Comprehensive coverage, and Uninsured/Underinsured Motorist mean the same thing as in an auto policy. Here are brief definitions for you:
- Bodily Injury Liability: Required in NY. This coverage pays for the injuries (including death) and the cost of legal defense, if necessary, if you injure someone in a crash for which you are legally to blame.
- Property Damage Liability: Required in NY. This coverage pays to repair the damage that you caused to someone else's property due to a crash that you are legally to blame.
- Collision coverage: This coverage may help pay to repair or replace your motorcycle if it is damaged in a collision with another vehicle or object.
- Comprehensive coverage: If your motorcycle incurs damage due to incidents such as fire, theft or vandalism, comprehensive coverage may help pay for repairs or replacement.
- Uninsured/Underinsured Motorist coverage: If your motorcycle is hit by a driver who doesn't have insurance or enough coverage to pay for repairs to your motorcycle, uninsured and underinsured motorist coverage may help pay the related repair costs.
New York does not require a rider to have PIP insurance as most no fault states do, but riders must have a liability policy that has these limits:
- $25,000 for bodily injury per person;
- $50,000 for total bodily injury in the event that multiple people are hurt in the accident;
- $10,000 for property damage;
- $50,000 for death per person; and
- $100,000 for death if multiple fatalities occur.
Other coverages include:
- Medical Payments: Pays for medical, hospital or funeral expenses for you and others injured or killed while riding on your motorcycle, regardless of fault. It also covers you and family members if struck by a car as a pedestrian or if riding in another vehicle.
- Towing and Labor: By purchasing this coverage, you will have access to emergency roadside assistance and towing if your motorcycle breaks down.
Street Legal Motorcycle Requirements in NY
New York is a beautiful place to ride. Whether you are riding your bike in an urban area or the wide open country, you and your bike must have certain requirements in order to be street legal in New York. That equipment includes:
- Eye protection: required for all riders
- Handlebar height: handgrips at or below shoulder height
- Helmet: required for all riders.
- Mirrors: only one required.
- Turn Signals: required for all bike manufactured after 1/1/1985.
- Passenger Seat/Footrest: both are required if carrying a passenger. No restrictions on a passenger's age.
- Headlight: required, modulating daytime headlight approved.
- Muffler: required; no straight pipes; no removal of baffles; no modification of exhaust system that increases noise beyond exhaust system originally installed.
- Safety inspect: not required.
What is the average cost of motorcycle insurance?
On average, we normally see that motorcycle is much cheaper than auto insurance. But there are a lot of factors at play in rating a policy, such as: type of motorcycle; age of motorcycle; your age; your driving record; your location where you live; any safety information about the bike such as an alarm system or other disabling devices; your insurance score; etc.
Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or a passenger is injured in an accident, medical costs can be extremely expensive.
- If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Your motorcycle may be one of your most prized possessions. It deserves special protection.