What You Need to Know About Motorcycle Insurance in New York

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What You Need to Know About Motorcycle Insurance in New York

Category:Road Report

According to New York state law, you must carry liability motorcycle insurance on your bike to help you cover costs related to property damage and bodily injury suffered by others in a crash that you cause.

The no-fault law in New York does not protect motorcyclists, as they are not entitled to no-fault benefits.

Your motorcycle insurance policy must include the following minimum coverage limits per accident:

  • $25,000 for bodily injury per person.
  • $50,000 for total bodily injury in the event that multiple people are hurt in the accident.
  • $50,000 for death per person.
  • $100,000 for death if there are multiple fatalities in the accident.
  • $10,000 for property damage.

Remember, these are only the minimum requirements!

In addition to the above motorcycle coverage limits, New York law also requires the following:

  • The name on your motorcycle insurance policy must match the name on your motorcycle registration.
  • A motorcycle insurance company licensed to do business in New York must provide your coverage.

For more detailed information on motorcycle insurance requirements in NY State, visit the DMV.org website.

Why you should change your motorcycle insurance basic Liability policy TODAY!

Many insurance companies will try and sell you just the minimum insurance needed for your motorcycle, so you can get out on the road and ride, but don’t be fooled because “basic liability insurance” for motorcycles does not cover your own injuries in the event you are in an accident.  The single most important thing that you can do to protect yourself in the event that you are injured due to the negligence of another driver is to purchase the most Supplementary Underinsured Motorist (SUM) coverage that you can afford.

Supplementary Underinsured Motorist and Why You Need to Increase it!

This is the most important part of any motorcycle (or even automobile) insurance policy. This coverage protects you in the event that you are injured by a driver having a really bad policy. It is coverage from your insurance carrier to compensate you for your pain and suffering when the other driver’s policy is inadequate to do so.

The single most important thing that you can do to protect yourself in the event that you are injured due to the negligence of another driver is to purchase the most Supplementary Underinsured Motorist (SUM) coverage that you can afford. At a minimum you should purchase at least $100,000 of SUM coverage, but ideally you should have $250,000 or more of SUM coverage. Thus, in the event that you are injured by a driver who has the minimum coverage required in NY, $25,000, you can receive additional compensation from your own insurance carrier up to the maximum amount of your SUM coverage, less whatever sum of money you have received from the offending driver’s liability insurance carrier.

When you check your policy, and you see that you do not have sufficient SUM coverage, you need to fix that immediately. Call your insurance broker/carrier and insist on significantly more SUM coverage.

 

Michael S. Levine Esq. (Motorcycle Mike) has been practicing law in the state of New York since 1985. As an avid motorcyclist, he understands the common causes of motorcycle accidents. Whether you were caught in a driver’s blind spot or injured in a hit-and-run accident, he has the knowledge and experience to take on any motorcycle accident case.  Feel free to reach out to him anytime if you have questions about your motorcycle insurance policy. He’s always on your side when you ride.

 


Long Island Motorcycle Accident Lawyer | Mike Levine Esq.

When you’re on your bike, you have no metal surrounding you, no protection — only the air and the sound of the engine. While this is one of the most enjoyable aspects of motorcycle riding, it is also what makes motorcyclists vulnerable to serious injury. If you are injured in a motorcycle accident, you need an attorney who understands the hazards that motorcyclists face. As a motorcyclist and an attorney, I am dedicated to providing effective representation to injured motorcyclists in NYC, Nassau and Suffolk Counties.

I am attorney Mike Levine, or Motorcycle Mike. I have been practicing law in the state of New York since 1985. As an avid motorcyclist, I understand the common causes of motorcycle accidents. Whether you were caught in a driver’s blind spot or injured in a hit-and-run accident, I have the knowledge and experience to take on your case.

My clients appreciate my frank, straightforward approach. I will offer you an honest assessment of your case, help you understand what it will take for your case to be successful, and ensure that you maintain realistic expectations for the outcome. When you retain my firm, your calls will come directly to my desk.

A Proud Member Of New York’s Community Of Motorcyclists

As a member of New York’s riding community, I believe it is imperative to give back to the community. I have participated in motorcycle charity events and rides throughout Long Island, and I have been honored to host and be the end site for numerous biker runs.

Serving New York Motorcyclists’ Legal Needs

Schedule a free initial consultation with Mike Levine Esq. a motorcycle accident lawyer that is On Your Side, When YOU Ride. Call my Suffolk County Personal Injury Attorney line at: 866-639-5567.

Who is Motorcycle Mike?

Client Testimonials:

Thanks Motorcycle Mike

Michael Levine made my whole law suite process fast and effortless. He really took care of me and my case. I recommend Mr. Levine to anyone hands down.

Thank you again Mike for all your help.
Motorcycle Mike Esq.
5
2018-05-25T13:43:38-05:00
Michael Levine made my whole law suite process fast and effortless. He really took care of me and my case. I recommend Mr. Levine to anyone hands down. Thank you again Mike for all your help.

Union Carpenter

My wife and I were referred to mike after I had fallen at work and received a few extreme injuries to my lower body which we knew was going to be life changing for us. We wanted to find the best attorney possible that would take us through this process which can be very frustrating at times. Mike was very patient with us and explained to the "T" what to expect and was always encouraging. My wife and I would highly recommend Mike to represent anyone who isn't sure or doesn't have someone who can recommend them to an honest attorney.
Motorcycle Mike Esq.
5
2018-05-25T13:49:47-05:00
My wife and I were referred to mike after I had fallen at work and received a few extreme injuries to my lower body which we knew was going to be life changing for us. We wanted to find the best attorney possible that would take us through this process which can be very frustrating at times. Mike was very patient with us and explained to the "T" what to expect and was always encouraging. My wife and I would highly recommend Mike to represent anyone who isn't sure or doesn't have someone who can recommend them to an honest attorney.

Nice Experience

Mr. Michael Levine and staff of RGLZ are truly wonderful. Great Law Firm to have represent you. The Firm has very compassionate and understanding people representing it. I was very well informed with things happening in my case. I am truly satisfied and if ever in such a position again they will be at the top of my list.

Thank you Micheal

~Tammy
Motorcycle Mike Esq.
5
2018-05-25T13:51:00-05:00
Mr. Michael Levine and staff of RGLZ are truly wonderful. Great Law Firm to have represent you. The Firm has very compassionate and understanding people representing it. I was very well informed with things happening in my case. I am truly satisfied and if ever in such a position again they will be at the top of my list. Thank you Micheal ~Tammy

OutStanding Job

Mike did an outstanding job, He explained the process to me in simple terms, He was always there when I had questions and was easy to talk to. Very professional. Thanks for everything Mike

~Richard
Motorcycle Mike Esq.
5
2018-05-25T13:54:10-05:00
Mike did an outstanding job, He explained the process to me in simple terms, He was always there when I had questions and was easy to talk to. Very professional. Thanks for everything Mike ~Richard

Highest Possible Recommendation

After I was run over by a car my entire life changed. I lost my job, needed back surgery and years of therapy. Michael Levine Esq. concluded my lawsuit and gave me a future to look forward to again. He was referred as the best attorney. Not only was he the best but treated my case with extreme individual attention, in my opinion. He was always open to communication. Michael Levine's team were also concerned and well-coordinated. I know he negotiated the best possible resolution. I give him and his team the highest possible recommendation.

Thank You

~Mary Jo
Motorcycle Mike Esq.
5
2018-05-25T13:55:46-05:00
After I was run over by a car my entire life changed. I lost my job, needed back surgery and years of therapy. Michael Levine Esq. concluded my lawsuit and gave me a future to look forward to again. He was referred as the best attorney. Not only was he the best but treated my case with extreme individual attention, in my opinion. He was always open to communication. Michael Levine's team were also concerned and well-coordinated. I know he negotiated the best possible resolution. I give him and his team the highest possible recommendation. Thank You ~Mary Jo
5
Motorcycle Mike Esq.