Motorcycle Insurance in New York
At AW Burchell Agency, we work with motorcycle owners to provide them with high-quality insurance options. The following information will help new bike owners understand the laws and guidelines dictating motorcycle insurance in this fine state.
Minimum Coverage Options
Motorcycle insurance is a legal necessity for bike drivers in this state. The basic requirements include coverage for:
- Bodily injury costs
- Death coverage
- Property damage
Drivers must also make sure that their policy is accurate and work to ensure that it doesn't lapse. A lapsed motorcycle cannot legally be driven on roadways.
No-Fault Insurance Options
Although this state is technically no-fault for auto owners, motorcycle drivers don't have to have PIP or personal injury protection coverage. This type of policy means that a person is often limited in their rights if they try to sue somebody after an accident.
However, since motorcyclists don't have to buy this type of coverage, their rights are not limited to lawsuits. Therefore, they typically have an easier time pursuing lawsuits against people who injured them, which is set up to protect the rights of motorcycle drivers who are in a more delicate driving situation.
Optional Coverage Choices
Motorcycle insurance in New York also provides multiple option coverage choices, including:
- Comprehensive – Pays repairs to motorcycle accidents that aren't a result of a traffic accident.
- Collision – Covers damage to a motorcycle caused by a traffic accident.
- Medical Payments – Helps to pay for injuries that you suffer when driving a motorcycle.
- Towing – Pays for any necessary tows that occur if a motorcycle breaks down.
- Uninsured – Covers damage or issues caused by people without insurance.
Get Motorcycle Insurance Now
New York motorcycle owners who don't correctly insure their vehicle may lose their license or get it suspended. They may even have to pay a variety of expensive fines. So please don't hesitate to contact us at AW Burchell Agency to get a policy that works for you. We have offices in Cortland, Whitney Point, Painted Post, and Ithaca, NY.