Month: August 2020

With more than 100.000 miles of roads and highways in New York state, you won’t run out of new places to explore anytime soon. The appeal of motorcycle riding is undeniable, and if you own a motorcycle and plan to take advantage of the roads, you need to know whether or not you need to have motorcycle insurance. Talking to a knowledgable insurance professional can help you make sure you comply with the laws in New York. At Carminucci Agency in Croton Falls, NY, our team is here to help make sure you have the right motorcycle insurance for your bike. 

Yes, you do need to carry motorcycle insurance in New York. You need to maintain the same amount of liability insurance any other vehicle requires. That is $10.000 in property damage, $25,000 for injury to each person in an accident, and $50,000 in death benefit. The amount doubles for two or more people in the same accident. This is in the event you are the person at fault in an accident. With other vehicles, the insurance must be maintained all year, or the registration will be revoked. That is not the case with motorcycles. You may remove the liability insurance when the bike is off the road and don’t have to turn in the license plate.

Beyond the mandatory insurance, you may carry insurance that pays for damage to your motorcycle. If you have a loan, your lender will likely require you to carry collision and comprehensive. Even if you don’t have a loan, if your bike is valuable, these types of insurance can help to pay to repair or replace your bike if it is stolen or damaged.  

To get more detailed information about motorcycle insurance, visit our office or give us a call at the Carminucci Agency in Croton Falls, NY.