At ASZ International Inc., serving the greater Westchester, NY area, motorcycle insurance is one of the types of insurance products that we offer our customers. One of the questions that we are frequently asked is whether you legally have to carry motorcycle insurance or whether motorcycle insurance is optional. Learning the truth can help you obtain the insurance you need to ensure you are complying with local laws.
Do You Have to Carry Motorcycle Insurance in New York?
In New York, you are required to obtain motorcycle insurance to register your bike. You are also legally required to get insurance and have insurance on the motorcycle any time you are operating it. The fines can be the same as auto drivers for motorcycle riders who do not obtain insurance.
What Can Happen If You Do Not Carry Motorcycle Insurance?
In New York, you can experience a wide array of issues if you do not obtain motorcycle insurance. If your car is not insured, you can be denied the vehicle’s ability to register. A law enforcement officer can also cite you for operating a motorcycle, something that carries a hefty fine. Finally, if you are involved in an accident and do not have insurance, you can be held financially liable out of your own pocket.
If you are looking for motorcycle insurance in the greater Westchester, NY area, ASZ International Inc. would love the opportunity to help you. Reach out to us today to discuss your motorcycle insurance needs, and let us provide you with an estimate for a policy.
Most states, including New York, require drivers to have the minimum bodily injury and property damage liability. However, there are still drivers driving around public roads without insurance. So what happens when you’re involved in an accident with an uninsured motorist in Westchester, NY? Find out how you can handle the situation like a pro.
Call the police
Whether there are injuries or not, it’s always wise to call the police. If you’re dealing with an uninsured driver, it’s even more important as the report will help you get the compensation you deserve and make the claim process easier.
Stay at the scene of the accident
Even if there is no damage or visible injuries and the accident seems minor, don’t leave the scene until the police have arrived.
Don’t accept money
At ASZ International Inc., we understand that auto insurance is not cheap, and neither are claims. However, that doesn’t mean anyone can drive around without insurance. The driver may attempt to pay you a specific amount to silence you and avoid legal repercussions. Don’t accept, even if there is no damage or injury.
The other driver may not have their insurance information, but they have their contact information, vehicle details, and other relevant information you might need. Don’t forget to speak to witnesses and get their contact information as well.
Document the damage
Capture any damage done to your car and take pictures and videos of the other vehicle. You should also note down the location, time, traffic signs, and the direction in each vehicle was traveling. You will need this information during the claim process.
Having enough auto insurance is the best way to stay out of trouble with the law in Westchester, NY. If you need to update your policy and increase your limits, ASZ International Inc. is always ready to help. Call us today!
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.