Category: Motorcycle Insurance

Not many people know that motorcycle insurance isn’t a requirement in every state. However, it’s required in forty-nine out of fifty states. Also, the coverage amounts vary from state to state. However, New York is one of the states that require cyclists to carry motorcycle insurance to legally drive in the state. ASZ International Inc. of Westchester, NY takes pride in educating New York cyclists on the coverage requirements that must be met to legally operate their motorcycles in New York. 

New York Motorcycle Insurance Requirements

New York cyclists are required to carry liability insurance just like auto drivers are required to carry liability insurance. However, unlike automobile insurance requirements in the state of New York, motorcycle operators aren’t required to carry personal injury protection or uninsured/underinsured motorist insurance. The state requirements for liability insurance for motorcyclists include property damage, death, and body injury liability coverage. The state minimums include $25K per person and $50K per accident for bodily injury. Death liability requirements are $50K per person and $100K per accident. Property damage liability is $10K. Of course, motorcycle operators can carry more than the minimum coverage amounts but never less than the state minimum liability requirements. 

Other Important Details

New York motorcycle owners and operators must insure their motorcycles with the New York state minimum coverage amounts before they can register their motorcycles in the state of New York. To legally register your motorcycle in the state of New York, you must meet the minimum New York state-issued insurance requirements to legally operate your motorcycle in New York. Motorists who have questions about motorcycle insurance should reach out to ASZ International Inc. of Westchester, NY. We’re here to answer any and all of your questions. Give us a call. We’re standing by.  

Operating a motorcycle is no different than driving a car when it comes to insurance. It is necessary to have your motorcycle insured to get it registered and to protect yourself and others in the event of an accident. Having proper coverage is crucial to operate a motorcycle legally and to protect yourself if you are injured.

Getting proper insurance coverage is necessary to operate your motorcycle in New York. It will be needed for purposes of registration and personal protection. ASZ International, Inc. in Westchester, NY has many years of experience helping motorists with a variety of different insurance options.

Do I need motorcycle insurance?

You will need minimum liability insurance to operate a motorcycle in New York. The state does allow individuals to carry a financial security bond or have a financial security deposit, but typically people purchase insurance from a provider to get minimum liability insurance. Helmets are mandatory in New York, and failure to wear one can have a negative effect on coverage if there is an accident.

What kind of motorcycle insurance is required?

Motorcycles are no different than cars when it comes to insurance requirements. They require the same type of liability coverage as cars do. There are slight differences, and some states do require some form of personal injury protection. New York does not require additional personal injury protection, though you may choose to get this added. Bodily injury, property damage, and personal injury are covered with minimum liability insurance.

If you own a motorcycle and need quality assurance, the agents at ASZ International, Inc. in Westchester, NY can help. Give us a call to speak to a representative today to discuss your insurance needs for your new or used motorcycle.