Statistics show that motorcycle accidents are on the rise – and the state of New York is no exception. There have been approximately 136,913 emergency department (ED) visits each year due to unintentional motor vehicle traffic-related injuries from 2014-2016. What happens if you experience a wreck? Have you thought about what coverage is needed to help you throughout your recovery?
Believe it or not, having motorcycle insurance is necessary in New York. Let’s explore a few reasons why and what to look for when shopping for the right insurance policy.
New York Is A No-Fault State
So, what does a “no-fault state” mean? Despite the question of fault that automatically comes to mind with any motor accident, New York has established itself as a no-fault state. This means that neither of the parties are to take the blame for a New York motorcycle accident completely.
Instead, each of the motorists should be turning towards their insurance companies for assistance in this difficult time. Even still, filing insurance claims, dealing with personal injuries, and facing other losses can be a lot to handle on your own. Don’t worry, an attorney is available to help you navigate throughout the entire process so that you don’t miss any opportunities for adequate compensation.
Legal Requirements For Motorcycle Insurance In New York
Motorcycle insurance is slightly different than the typical car insurance coverage that you are probably used to shopping for. When you drive your motorcycle on the roads, you need insurance no matter what. However,if you choose not to use it during cooler seasons, you can cancel insurance policies for the time being. When you are on your bike on the roads, you must have an effective insurance policy.
Here are the minimum amounts of motorcycle insurance coverage allowed in New York State:
● $10,000 for property damage for a single accident
● $25,000/$50,000 for bodily injury/death of a person in an accident
● $50,000/$100,000 for bodily injury/death of two or more persons in an accident.
Other Important Reasons For Having Motorcycle Insurance
It’s no secret that New York is a busy state. Riding a motorcycle may be your preferred choice for transportation, but it can be dangerous among the many cars, trucks, and other motorcycles. When compared to such big vehicles, your motorcycle may not even be noticed in the rear-view mirror of a large truck.
Moreover, motorcycle drivers cannot have the same balance as other vehicles because they only have two wheels rather than four or more.This makes it even more important to always have insurance coverage in the case that you do become a victim of an accident.
Plus, staying prepared with a motorcycle accident attorney that understands the ins and outs of these types of cases (with an outstanding track record for success) can help you to feel confident when fighting for what you deserve in a lawsuit. In the case that you or a loved one experiences a motorcycle accident, don’t hesitate to contact our office right away.