Motorcycle insurance is required by law in Scotia, NY. You will need to prove you have a policy before you can register your motorcycle. However, the kind of protection you get from the minimum policy is limited. At DePaulo Agency, we can give you information on what kinds of other protection are available.
Minimum Legal Insurance Requirements For Motorcycles In New York
The minimum policy only provides liability protection. That means that if you are found to have caused an accident, your insurance will pay for medical bills and property damage.
It is also important to note that you could easily reach the maximum if you only carry the minimum amount of insurance. Once your policy maxes out, you are responsible for paying anything else out of your own pocket.
Other Kinds Of Protection
There are several kinds of other protection you can get.
- If you spend a lot of money on motorcycle accessories, you may want to consider adding this protection. There may be a small amount of coverage if you have comprehensive and collision coverage. If you do, find out how much coverage you already have. If you have saddle bags, sissy bars, a helmet, riding gear, extra electronics, or other accessories, you may need more coverage.
- Comprehensive motorcycle insurance may be required if you are still paying on your motorcycle. This coverage protects you if your motorcycle is a victim of theft, vandalism, severe weather, or fire.
- Collision motorcycle insurance protects your bike if you are in a collision.
- Roadside assistance can be part of your coverage.
If you are interested in adding protection to your existing coverage or comparing new policies, please call DePaulo Agency today.