You’ve just bought a shiny new motorcycle and are about to enjoy the freedom of the open road. Many people think that their auto insurance policy will cover their bike. But wait a minute, you need separate motorcycle coverage in Rochester, NY to receive sufficient protection for you and your road machine. Although policies covering autos and motorcycles have many similarities, you’ll find several differences when you work with Bajorek Agency Inc. to get a policy.
Why These Policies Differ
Essentially, autos and motorcycles are two different types of vehicles. Motorcycles travel faster than autos, but in most instances, they accommodate the person operating the bike. Autos travel more slowly but have room for additional passengers. At the same time, automats have a shell that offers some protection to those inside, while cyclists are more exposed to possible injuries.
Similarities Between Policies
You’ll find some of the same coverages. In fact, New York requires the same state minimums for bodily injury liability and property damage. However, that involves minimums. As a motorcycle rider, you’ll want to have additional coverage, especially when it involves your safety. You’ll also find collision and comprehensive on both types of policies, as well as provisions for uninsured motorists.
Additional Coverage to Consider
Motorcycle owners should consider the following when requesting a policy:
- Personal injury protection if you are thrown from your vehicle
- Guest passenger liability for someone riding behind you
- Laid-up coverage insures you against theft, fire, and other threats during winter storage
- Add-ons for roadside assistance, transport trailer coverage, and specific coverage for custom accessories, parts, and equipment
Schedule A Consultation Today
Motorcycle insurance can be confusing, but not when you work with Bajorek Agency Inc., serving residents of Rochester, NY. Call our office today to get started on your motorcycle coverage.