If you own a motorcycle in New York or are considering purchasing one, you may be wondering if you need motorcycle insurance. In this guide, you’ll find all the information you need to ensure that you meet New York’s motorcycle insurance requirements.
New York Motorcycle Insurance Requirements
In New York, liability, personal injury protection (PIP), and uninsured motorist coverage are required.
When registering a motorcycle in New York, specific liability insurance requirements must be met.
Minimums for liability insurance are:
- $25,000 per person for bodily injury
- If multiple people are injured in an accident, a total of $50,000 will be paid for bodily injury.
- $10,000 for property damage
- $50,000 for each fatality
- $100,000 for death in the event of multiple fatalities.
Remember that the motorcycle registration must be renewed annually, and that the policy must be presented at each renewal.
New York, like many other states, requires drivers to carry personal injury protection (PIP) coverage. However, unlike in some states, this requirement applies to motorcycles as well.
PIP coverage must provide up to $50,000 per person in economic damages coverage (medical treatment, lost wages , and other reasonable and necessary expenses).
In New York, however, PIP insurance for motorcycle riders is complicated. You are required to carry PIP insurance on your motorcycle, but most policies prohibit you from collecting PIP benefits if you are injured as a rider or passenger on your motorcycle.
For instance, if you hit a pedestrian while driving your motorcycle, the injured pedestrian may be eligible for PIP benefits. However, if you were also injured, it is unlikely that you would be eligible for PIP benefits.
You must also carry uninsured motorist insurance with the same minimum coverage requirements as your liability coverage. You have the option to purchase additional coverage. This protects you in the event that you or a passenger are injured by a driver without the required auto insurance.
If you cause an accident and your insurance policies do not fully cover the damage, you may be held personally liable for any additional costs. Consequently, minimums must be taken at face value.
To better protect yourself and your assets, you may wish to consider purchasing a policy with expanded coverage.
What Are the Penalties for Failing to Maintain Coverage in New York?
In the state of New York, insurance companies notify the DMV whenever a policy lapses. The state requires that licence plates be returned to the DMV prior to the expiration of the insurance policy.
If licence plates are not returned, the driver is automatically issued a fine.
In addition to the initial fines, drivers found to be uninsured face a maximum of $1,500 or 15 days in jail. In addition to impounding your motorcycle, the DMV may suspend your driver’s licence.
Moreover, if you are involved in an accident, you will be personally responsible for any damages or injuries caused by your negligence.
Should I Purchase Optional Insurance Coverage for My Motorcycle?
In addition to purchasing additional liability coverage, you may wish to consider purchasing additional underinsured motorist coverage and medical payments coverage (MedPay).
Underinsured motorist coverage compensates you for the difference in medical expenses if another driver’s policy does not cover them in full.
MedPay is a personal no-fault policy that can help cover medical expenses and lost wages regardless of who caused the accident.
Additionally, you may opt for additional PIP coverage. Review any additional policies carefully for exclusions pertaining to motorcycles.
What Injuries Can Occur from Motorcycle Accidents?
While riding a motorcycle can be a lot of fun, a fall or accident can cause serious injuries.
- Traumatic brain injuries
- Spinal cord damage
- cervical and lumbar injuries
- Internal organ damage
Therefore, it is essential to have the necessary insurance coverage in the event of a serious accident.
Are There Special Requirements to Obtain a Motorcycle License?
A motorcycle operator’s licence or a motorcycle junior operator’s licence is required for motorcyclists. Individuals with a valid motorcycle licence from another state or country are permitted to operate a motorcycle within the state.
In New York, obtaining a motorcycle licence requires passing both a written and a road test.
What Should I Do After a Motorcycle Accident?
It is important to seek medical attention and file a police report if you have been involved in a motorcycle accident. You should photograph the accident scene and collect the contact and insurance information of all parties involved.
Additionally, request the contact details of any witnesses who witnessed the collision.
Documentation, a police report, and witness testimony can be very helpful if you have been injured and decide to file a lawsuit against anyone who may have caused the accident.
Contact Our Personal Injury Law Firm
Contact Abrams Law Group for a free consultation if you’ve been hurt in an accident and require legal assistance.