Driving a motorcycle is a freeing experience, but it’s not without its risks. That’s why securing a reliable motorcycle insurance policy is so important. If you recently purchased this type of vehicle, the guide below will help you understand how you can protect yourself and other drivers.

What Are the Minimum Coverage Requirements in New York?

You must purchase the minimum liability insurance before riding a motorcycle on a public roadway. In New York, this means at least $10,000 for property damage per accident. When it comes to bodily injury coverage, you need $25,000 per person and $50,000 for two or more people. To protect you in case someone loses their life as a result of an accident, you must have $50,000 per person and $100,000 for two or more people.

Failure to maintain the necessary coverage can result in the suspension of your license. You’d also be financially responsible for any damage you cause while riding. If you store your bike for the winter, you can terminate your liability insurance without giving your plate to the Department of Motor Vehicles (DMV).

What Other Types of Coverage Should You Consider?

While you’ll be protected from license suspension with the minimum coverage, additional motorcycle insurance will reduce out-of-pocket expenses in more situations. For example, here are some options many riders choose:

• Collision Coverage: Liability insurance covers damage to other people’s property, but collision insurance pays for damage to your motorcycle. You will need to fulfill your deductible before the insurance pays out. 
• Comprehensive Coverage: This insurance pays for non-collision damage. This can include problems caused by theft, vandalism, or a wreck involving an animal. 
• Medical Payment Coverage: If you or your passenger is injured during a crash, this insurance plan covers health care expenses. However, it does not make up for lost wages if you can’t work after the accident. 

Options are also available to cover lodging and transportation if your vehicle is damaged, roadside assistance, and custom accessories.

If you just got a new motorcycle, turn to Mazzola Insurance of Rochester, NY, to protect it. As an independent agency, they’re free to shop around on your behalf to find the most cost-effective policies for your needs. They also offer plenty of discounts, including reductions for bundling insurance plans or attending a driver safety course. Visit them online to get a quote on motorcycle insurance, or call (585) 266-7130 to schedule a consultation.