Motorcycle Insurance

Buying your dream bike is the first step toward greater freedom on the road. The next step is protecting your bike with motorcycle insurance. Motorcycle insurance from Casterlin Insurance Brokerage in Wolcott, NY is one of the most practical ways of protecting you and your investment against accidents on the road. What kind of motorcycle coverage do you need?

Mandatory Motorcycle Insurance Coverage for New York Riders

Motorcycle liability coverage is mandatory in New York for all motorcycle riders. This coverage pays the cost of injuries or property damage to others in accidents you cause. Most states require that you have minimum liability coverage, and New York is no exception. You must carry minimum limits for bodily injury, property damage, and death benefits on your motorcycle policy as established by state law.

As motorcycle accidents can cause extensive damage in serious accidents, you’d do well to purchase more than minimum liability coverage to protect your assets in the event you’re sued for damages.

In New York, motorcycle insurance can only be purchased from a licensed New York company, and the name on your insurance policy and registration must match. Although New York is a no-fault state for auto drivers, PIP insurance isn’t mandatory for motorcycle riders.

Optional Insurance for NY Motorcycle Riders
  • Liability insurance protects other drivers in accidents you cause. For personal protection against injuries or property damage, you can purchase collision, comprehensive, or medical payment coverage.
  • Collision coverage helps cover the costs of repairing your bike after a crash that you are at fault for causing.
  • Comprehensive insurance protects your bike against theft, vandalism, and adverse weather damage.
  • Medical payments coverage helps cover your injuries in an accident.

If you’re planning to use your bike for long-distance travel, you may want to obtain roadside assist to cover the cost of towing your bike if it suffers a breakdown during your travels.

For quality motorcycle insurance to protect you on the road, contact Casterlin Insurance Brokerage in Wolcott, NY.

Our Partners