Your Guide to Motorcycle Insurance

If you’ve just bought a bike, you’re probably excited and ready to get it out on the road. Before you head out, though, you need to consider your insurance needs. Here at Kinowski Agency Inc., serving Amsterdam, NY, and the surrounding areas, we can help you get the coverage you need. Learn more now about motorcycle insurance.

Do I Need Insurance for a Bike?

You need insurance coverage for a motorcycle. There is sometimes a misconception that motorcycles are a special type of recreational vehicle and may not require the same type of coverage as other street-legal vehicles. That isn’t the case. Your bike is a perfectly street-legal vehicle and, therefore, is required by law to carry the same type of insurance as other vehicles. This is for your protection as well as the protection of other drivers.

How Does Insurance Protect Me?

Insurance doesn’t protect you in the sense of preventing accidents, but it does protect you from the extreme expenses that accidents create. If you’re in an accident with your bike and the vehicle is damaged or totaled, an insurance policy will help you pay for repairs or replacement. Without insurance, you’re left to pay for all of this out of pocket.

Insurance is extremely helpful in cases where you have caused a wreck that resulted in damage to other vehicles or injuries to people. You’re legally liable for all those expenses, and paying them out of pocket could create financial hardship for you. This can be avoided when you have proper insurance in place.

If you’re interested in learning more about motorcycle insurance, please get in touch with us today at Kinowski Agency Inc., serving Amsterdam, NY, and the surrounding areas.