Month: October 2024

Many people enjoy riding motorcycles on the streets and local highways. Although not all states require motorcycle owners to carry insurance, most do, and New York is one such state. Our team at Fenzl Insurance Agency is committed to educating and insuring motorcycle owners in Hamburg, NY.

What is Motorcycle Liability Insurance?

Motorcycle liability insurance is similar to auto liability insurance. It provides coverage for other drivers if you’re found at fault for an accident or property damage. This coverage will pay medical bills for anyone who is injured in an accident where you’re at fault. This insurance will also cover any damage you cause to other people’s property while driving your motorcycle. Drivers should be aware that liability coverage isn’t designed to cover your injuries or any damage to your motorcycle or property. It will only cover damage or injuries to other people and their property. Drivers will need to purchase more coverage if they want protection for their potential injuries and damage to their motorcycles.

Do I need motorcycle insurance to drive in the state of New York?

Yes. New York’s state minimum insurance requirements mandate all motorcycle owners to carry liability insurance. Liability insurance provides coverage for bodily injury as well as coverage for property damage for other drivers. Drivers must purchase more insurance to cover damage to their property or motorcycles. Motorcycle owners must also have a motorcycle or Class M/MJ license. New York laws mandate that all motorcycle owners must carry liability coverage as a state minimum requirement. However, motorcycle owners can purchase more coverage for their property and potential personal injuries. If you have questions regarding motorcycle insurance, contact us. Our team at Fenzl Insurance Agency would be happy to answer your questions and explore your options.