While owning a motorcycle for the first time is a thrilling experience, you also want to make sure you’re protected. This entails finding out the right information regarding motorcycle insurance. Below is a guide that details this type of coverage and why you need it.

A Guide to Motorcycle Insurance   

Is This Type of Insurance Mandatory?

In New York, all riders must have the mandatory minimum insurance in place. You must have $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. Even though it’s not required, adding on supplemental uninsured motorist coverage is recommended in case the other driver lacks sufficient insurance.

What Does Motorcycle Insurance Cover?

Liability insurance covers injuries and property damage incurred by others as a result of an accident caused by you. Collision coverage is useful for repairing and replacing your bike after you cause an accident. Comprehensive coverage offers the same protections but is useful for damage by non-accident occurrences, such as theft or an act of nature. No matter who is at fault, a medical payment policy will cover injuries incurred by you. You may also consider having motorcycle equipment and accessories insured, especially if you frequently make modifications.

What Else Can I Do To Stay Safe?

While insurance protects you after an accident, you must also take steps to prevent accidents from occurring. A motorcycle safety course is a helpful source of information for new riders. Also, make sure you wear the right gear every time you ride, including a well-fitting helmet, long jacket and pants, gloves, and sturdy boots. Until you’re comfortable, avoid riding at night and steer clear of bad weather. Additionally, make sure you follow traffic laws, don’t speed, and keep an eye out for motorists when on the road.

The brokers at P.D.H Insurance Brokerage Inc in Valley Stream, NY, take your safety and well-being personally. They bring 30 years of experience to the table, which allows them to provide quality motorcycle insurance at a rate you can live with. They also offer car insurance, umbrella policies, products suited to business owners, and flood coverage to ensure your home remains protected. Schedule a consultation by calling (516) 561-5227. You can also learn more great insurance tips by visiting the website.