Motorcycle Insurance Quote Forms
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Motorcycle Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Motorcycle Insurance Information
By law, all motor vehicles registered in New York are required to be insured. Motorcycles are no exception. In fact, these unique vehicles have some of the highest operating liabilities of any mode of transportation, which is why it’s doubly important to ensure that your motorcycle insurance policy is tailored to meet your needs.
As Long Island’s trusted, preferred independent insurance agency, Lupton & Luce Insurance is committed to providing quality motorcycle insurance policies for all New York bikers. We know that your bike is important to you, and we’re here to protect it. Call us at (631) 727-4114 or request your free policy quote now!
Common Motorcycle Insurance Questions
How Does Motorcycle Insurance Work?
Motorcycles face the same accident and ownership liabilities as other vehicles. However, they often face them at a higher and costlier rate, by comparison. As two-wheeled vehicles that leave riders exposed to the elements, bikes pose safety risks to their riders that simply aren’t present for other drivers. Therefore, they need the benefits of quality insurance coverage all the more. Motorcycle coverage will provide those benefits in tailored ways that you cannot get from a standard auto policy.
What Does Motorcycle Insurance Cover?
Motorcycle insurance looks a lot like other motor vehicle insurance plans, and can offer such coverage as:
Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t on the bike with you.
Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.
Further benefits that you can use to enhance your protection include:
Property Damage Liability Coverage: This pays for damage to the other party’s property.
Collision Insurance: This covers damage to your own bike that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for bike damage from non-accident mishaps— such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments Coverage/Personal Injury Protection:If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses like lost income.
Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your damage.
Please note, you cannot insure a motorcycle using a standard auto insurance plan.
Is Motorcycle Insurance Required in New York?
All New York motorcycle policies must include at least the following minimum coverage limits:
$50,000 bodily injury liability coverage per accident
$10,000 property damage liability coverage
$50,000 PIP coverage
$25,000 uninsured motorist bodily injury coverage per person
$50,000 uninsured motorist bodily injury coverage per accident
You have the option to increase these limits to provide more expansive protection. Let one of our agents guide you through your options to find the most appropriate limits for you.
How Much Motorcycle Insurance Do I Need?
Your bike’s value and your ability to pay for accident damage is unique to you. Therefore, the amount of motorcycle insurance you need will have to be customized. Keep a few things in mind:
Your plan will include a physical damage deductible, which is a cost of a damage claim that you must pay yourself. Always choose a deductible that equals a cost you can afford out of pocket.
Carrying increased liability coverage limits can help you get more assistance in case of at-fault accident claims or lawsuits.
We understand that every auto insurance customer wants to pay an affordable price for their coverage. That’s why we use only the latest policy rating tools to find you the most accurate price for your motorcycle policy of choice. While carriers will take factors like your accident history, vehicle value and location into account, we will compare policies across our network of insurers to see which ones offer you optimized costs for your selected coverage.
How Much Does Motorcycle Insurance Cost?
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