Click to Call
Get Directions
Bikers in Rochester, NY need to understand the rules and regulations surrounding operating motorcycles on local roadways. The Bajorek Agency Inc. discusses what Rochester bikers need to know about New York’s motorcycle insurance laws.
New York Has Minimum Insurance Requirements for Bikers
All drivers on New York roads are required to have at least the minimum amount of required insurance when operating four-wheeled and two-wheeled vehicles on local roadways. Bikers who opt for state minimum coverage only must have liability insurance that includes provisions for bodily injury, personal injury, and property damage.
A licensed insurance agent can advise you of the current values for state minimum coverage and provide you with a motorcycle liability insurance quote based on your driving and insurance history.
Upgraded Coverage for Bikers in Rochester, NY
Bikers seeking total insurance protection for themselves, their passengers, their bikers, and other road drivers can opt to upgrade their basic liability insurance policy to a comprehensive motorcycle policy instead. Comprehensive motorcycle insurance includes key features that provide peace of mind for policyholders by including several additional coverages not available in state-mandated liability-only policies.
Comprehensive and Collision
Full coverage for motorcycles includes collision coverage for motorcycle accidents and comprehensive coverage that includes financial protections for damage or total losses caused by theft, natural disasters, vandalism, and other covered perils.
Uninsured/Underinsured Motorist
Add-on protections like uninsured or underinsured motorist coverage help safeguard your bike even when you’re in an accident with another driver who doesn’t have enough insurance to cover the costs associated with an accident.
Contact Bajorek Agency Inc. to learn more about liability, comprehensive, and collision coverages for New York motorcycle owners and get a quote!