Motorcycle Insurance in New York

Did you know that it’s a mandatory requirement to have motorcycle insurance in New York? And that riding an uninsured motorcycle can land you fines and penalties that include license suspension? Beyond this, getting involved in an accident with an uninsured motorcycle means that you have to incur out of pocket medical and repair costs.

Fortunately, at Edouard Insurance Agency Inc. in Spring Valley, NY, we offer motorcycle insurance that meets the following requirements as per the New York law. Unlike other states, the New York statutes do not require Personal Injury Protection (PIP) insurance, but riders are expected to have motorcycle insurance that has the below limits:

• $25,000 per person for bodily injury
• $10,000 for property damage
• $50,000 per person in case of death
• $100,000 in case of multiple fatalities
• $50,000 in case of multiple injuries

It’s recommended you get the below insurance coverage for your bike.

• Collision coverage: Covers your bike if it collides with another vehicle or a stationary object.
• Comprehensive coverage: Includes all the features of collision coverage and also includes protection against the risk of fire, theft, floods, and vandalism.
• Uninsured/underinsured motorist insurance: It will surprise you that at any given time, at least five percent of vehicle drivers and motorcycle riders in New York are uninsured. As if that isn’t enough, there is the need to worry about underinsured drivers. Given this alarming number, you can see why you need to get uninsured/under-insured motorist coverage.

Other optional motorcycle insurance you can consider include:

• Custom equipment that aftermarket parts and equipment
• Roadside assistance: Helps you in case your motorcycle stalls in whatever location. A road assistant comes to your site and helps with a towing, jump-starting, tire change, and assisting with any other mishap, you might be experiencing.

Whether you are riding your bike in the streets or open road, you need dependable motorcycle insurance. If you are a resident of Spring Valley, NY, and beyond, contact or email Edouard Insurance Agency Inc. today for a quote. We are sure to help you with liability, collision, and comprehensive insurance options, customizable to fit your unique needs.