At Kinowski Agency Inc., we offer motorcycle coverage to bikers in Amsterdam, NY. If you are purchasing a policy from us, there are numerous details to consider to determine how much coverage to buy.
The following are four of the most important details regarding your motorcycle insurance needs:
The liability insurance coverage requirements in your state
You need to carry at least enough liability insurance on your motorcycle insurance policy to meet the minimum requirements in your state. In New York, this means carrying at least $10,000 for property damage per accident and $50,000 for bodily injury insurance for multiple people in the event of an accident.
The value of your motorcycle
When it comes to the collision and comprehensive coverage you carry, you’ll need to have enough coverage to cover the full value of your motorcycle. Pay attention to the policy limits for your collision and comprehensive coverage and make sure that they aren’t lower than the full value of your bike.
The features you want your motorcycle insurance policy to include
There are a lot of added features that your policy really should include. These include uninsured/underinsured motorist coverage, roadside assistance coverage, accessories, and custom parts/equipment coverage, and total loss coverage.
The frequency with which you use your motorcycle
The more frequently you use your motorcycle, the more likely it is that you’ll eventually be involved in an accident and need to file a claim. You might want to opt for increased policy limits if you are an especially frequent rider.
Get Motorcycle Insurance Coverage Today
Call us or email us at Kinowski Agency Inc. for a quote on an insurance policy that offers you all the coverage you need. We’re here to come to the assistance of bikers in Amsterdam, NY.