If you reside in New York, you need a reliable means of transport. While most people choose cars, others prefer motorcycles. Not only are they fun, but they are also convenient. If you own a motorcycle or are considering getting one, you may be wondering whether you need to insure it. At Kinowski Agency Inc., we recommend having coverage as you ride along the streets of NY to protect you financially should anything happen. Below are some of the reasons why you should insure your bike.
If you get into an accident with your motorcycle and injure someone or cause damage to their property, this type of coverage can help you pay for the resulting expenses, whether it is medical bills or repairs. All motorcycle riders in New York are required to carry this type of insurance.
Guest Passenger Coverage
If you often carry passengers on your motorcycle, then they are also exposed to various risks on the road. With motorcycle insurance, you do not have to worry about the resulting medical bills that can come up if the passenger is injured. Your policy can help cover their medical expenses, helping them avoid financial distress.
While liability coverage helps repair or replace other people’s property, collision coverage helps cover any damage to your motorcycle from a collision.
This type of insurance will pay to repair or replace your motorcycle if exposed to a non-collision event. This could be storm, theft, or fire. Comprehensive insurance coverage offers protection for your bike even when parked in your driveway.
As you can tell, having motorcycle insurance in NY is necessary. If you have yet to insure your motorcycle or have already insured it but are looking for proper coverage, contact us at Kinowski Agency Inc. We will help you choose a policy that meets your financial needs and provides adequate protection.
While our offices are located in Amsterdam, NY & Johnstown, NY, we serve our clients all across New York.