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.