The law in New York, Connecticut, and New Jersey requires all motorcycles to have valid insurance coverage. Those who violate this requirement face hefty fines. It is, therefore, important to ensure your bike meets all the insurance needs in the state to avoid the associated penalties. Every motorcycle rider must know the value of insurance and select the right plan for their situation.
Riders get can become involved in accidents that cause bodily harm to other people or lead to destruction of property. Liability insurance offers a rider protection against the costs of injury or damage caused to others. Guest passenger insurance caters for any damage to other people riding on the motorcycle with the driver. This insurance protects the rider from bearing personal responsibility for the resulting injuries in most situations.
Personal injury protection
This is another product available at Hudson Valley Insurance Brokerage, Inc. which protects the rider in case of bodily harm. Personal injury coverage protects the rider from lost income and other damages arising from the accident irrespective of any legal liability.
Like the case with vehicles, motorcycle riders can take full coverage against risks such as theft, arson, or other damage. This coverage protects you against damage occurred not resulting from a collision.
Liability insurance will only cover the costs of damages to the opposing party in an accident. With collision insurance, the costs of damage to your motorcycle will also be covered.
Custom parts coverage
Some people who own motorcycles customize them to suit their taste. Custom parts coverage is additional insurance to cater for damage caused to the customized parts in case of an accident.
You need to have your motorcycle adequately covered for you to ride and enjoy the beauty of the New York, New Jersey, and Connecticut areas. If you want to know more about motorcycle insurance, visit or contact Hudson Valley Insurance Brokerage, Inc. in Stony Point, NY for more details.