I only drive my motorcycle in my neighborhood. Do I need insurance?

If you own a motorcycle, you may question whether or not insurance is necessary. It’s common for many motorcycle owners to ride their motorcycles for recreation and entertainment instead of out of necessity. This may add to the confusion when it comes to motorcycle insurance. The Bajorek Agency Inc. understands insurance requirements can be confusing when it comes to motorcycle owners. We’re committed to helping Rochester, NY motorcycle owners get the coverage they need most. 

What is motorcycle insurance?

Motorcycle insurance is similar to auto insurance in that it provides coverage for your motorized bike, just as auto insurance provides coverage for cars. Specifically, motorcycle insurance covers ATVs, UTVs, scooters, mopeds, and bikes. It also provides liability coverage if you injure someone while riding your motorcycle or damage someone else’s property. However, depending on your coverage, this insurance also covers the repair or replacement of your motorcycle, any injuries you may sustain while riding your bike, and so much more. It should be noted that Florida motorcycle owners aren’t required to carry motorcycle insurance. Florida is the only state without a motorcycle insurance requirement. 

I only drive my motorcycle in my neighborhood. Do I need insurance?

Yes, it’s likely. Unless you live in Florida, you are required to carry motorcycle insurance. Liability coverage is the minimum requirement to drive your motorcycle. It’s also likely that each state will have levels of liability coverage that vary from one state to the next. If you have questions about motorcycle insurance, call us. We can help you choose the best coverage options to suit your unique needs.