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The Myth About Motorcycle Insurance

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by
Long Island motorcycle rider.

If you own a motorcycle in New York, your motorcycle must have liability insurance coverage any time that it is operated on New York’s road ways.  Many insurance companies will try to sell you motorcycle insurance as a cheaper and better option than car insurance.  However, don’t be fooled as oftentimes “motorcycle insurance” does not cover your own injuries in the event you are in an accident.  Because motorcycle accidents can cause devastating and life-threatening injuries, it’s important to keep the following in mind when purchasing an insurance policy for your motorcycle.

No Fault Insurance in New York

If you’ve ever shopped for an automobile insurance policy in New York, you’ll know that New York is a no fault car insurance state.  What this means is that you are required to obtain personal injury protection (PIP) coverage for your vehicle, and your insurance will cover certain damages such as medical expenses and lost wages in the event you are in a car accident, no matter who is at fault.  While you are required to maintain liability insurance coverage on your motorcycle, the no fault laws are not applicable to motorcycles and the benefits of the no fault insurance do not extend to motorcycles.  In other words, your liability insurance coverage for your motorcycle only covers damages and injuries that you cause to others, and it does not cover any of your own property damages or injuries that you might sustain in a motorcycle accident.

Accordingly, when shopping for motorcycle insurance, or a “motorcycle policy” don’t sign away your rights to the coverage that would be beneficial to you in the event that you are in a motorcycle accident.  Instead, you might want to expand your motorcycle insurance coverage.  Because motorcycle accidents can total your motorcycle and cause serious injuries you might want to think about purchasing additional optional coverage including:

  • Uninsured/Underinsured. This coverage is important if you are involved in an accident with someone who either has no insurance or insufficient insurance to cover damages.  Depending on the limits you decide to purchase, UIM/UM coverage can really help to cover costs related to property damage and injuries.
  • Medical Payments. Med payment coverage can help cover medical expenses associated with the accident.
  • Comprehensive. Comprehensive coverage can help pay for motorcycle repairs in non-traffic accidents.  For example, if your motorcycle is damaged by hail or fire, it may pay for repairs.
  • Collision. Collision coverage will help pay for repairs if your motorcycle is damaged in an accident.
  • Towing and Labor. By purchasing this coverage, you will have access to emergency roadside assistance and towing if your motorcycle breaks down.

If you’ve been in a motorcycle accident, it is imperative that you speak with a Long Island accident lawyer immediately.  A skilled attorney can work with you to obtain the compensation you need and deserve.  Even if you haven’t been in an accident, but have questions about the type of motorcycle insurance you should be carrying, be sure to call the Law Office of Cohen & Jaffe, LLP at (516) 358-6900 or contact us via our website.  For your convenience, we are available 24/7.

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