Motorcycles offer riders a sense of freedom and exhilaration on the open road. However, as with any form of transportation, there are inherent risks involved. To ensure the safety of motorcyclists and provide financial protection in the event of accidents, New York has established specific motorcycle insurance laws. If you’re going to ride, you need to have a good idea of what those laws are. This article will spell out some of the most important ones.
If you’re involved in a motorcycle accident that wasn’t your fault, the attorneys with Cellino Law are standing by to help. We’ll be ready to answer your questions and provide the skilled representation you need to get the compensation you deserve. Please contact us online or call (800) 555-5555 to schedule a free consultation.
Minimum Insurance Policy Requirements
New York State law mandates that all motorcyclists carry a minimum liability insurance policy. This policy must provide coverage for bodily injury and property damage liability. The minimum limits apply:
- Bodily injury liability – $25,000 per person injured and $50,000 per accident
- Property damage liability – $10,000 per accident
- Death liability – $50,000 (the limit rises to $100,000 per death if multiple fatalities occur).
These minimum requirements are in place to ensure that motorcyclists have sufficient coverage to compensate others for injuries or property damage caused in an accident.
You must at least carry liability coverage as long as the bike’s registration remains valid. You also need coverage if you ever plan to use your motorcycle on a highway or public road. If you plan to keep your bike in storage for winter, you can temporarily terminate your coverage if you do not operate the bike on roadways during that time.
Medical Expense Exclusions
Medical expenses include the following services:
- Hospital stays
- Nursing services
- Dental work
- Ambulance transportation
- Prescription drugs
- Physical and psychiatric therapy
It’s important to note that insurers may exclude certain medical expenses from motorcycle insurance coverage in New York. For example, insurance may not cover elective cosmetic procedures or treatments deemed unnecessary for the victim’s recovery. Additionally, expenses related to pre-existing conditions or injuries that existed before the accident may also be excluded.
You should thoroughly review your insurance policy to understand the specific medical expense exclusions and limitations. If you have any questions or feel the insurance company is treating you unfairly, contact a Cellino Law attorney.
There are other areas where insurance likely won’t cover you. For example, if you use your motorcycle to deliver packages or food, you won’t be covered if something happens. In addition, insurance generally won’t cover you if you race your bike or perform stunts.
Deductibles are a common component of insurance policies, including motorcycle insurance. A deductible is the amount of money an insured individual must pay out-of-pocket before the insurance coverage kicks in.
In New York, motorcycle insurance policies often include deductibles for property damage and personal injury coverages. It’s crucial to be aware of your policy’s deductible amounts and how they may affect your financial responsibility in the event of an accident.
While New York State sets the minimum requirements for motorcycle insurance, insurance providers may offer optional coverage and deviations from the standard policies. Deviations can include increased coverage limits, additional protections, or specialized policies for certain types of motorcycles.
Examples of additional coverage include the following:
Collision and Comprehensive
If you’re making monthly payments on your bike, your lender will probably require you to have both. These will cover damage to your motorcycle in the event of an accident.
Collision coverage will cover the cost of repairing or replacing your bike, regardless of who was to blame for the accident. Comprehensive insurance covers repair or replacement if a natural event damages your motorcycle, such as strong winds or a flood.
If you total your bike, gap insurance will pay the difference between how much you still owe for it and how much it’s worth. It’s a good idea to have this coverage if you just bought your bike or during your first year or two of ownership since this is when your motorcycle depreciates the fastest.
Contact Cellino Law to Speak with an Experienced Motorcycle Accident Attorney
Motorcycle accidents can be devastating, resulting in severe injuries, property damage, and emotional trauma. In such cases, you should seek legal guidance from experienced motorcycle accident attorneys specializing in personal injury cases.
Cellino Law is a trusted law firm with a team of dedicated professionals ready to assist motorcyclists who have been involved in accidents. We have extensive knowledge of New York’s motorcycle insurance laws. We help victims navigate the complex legal process, protecting their rights at every turn.
While you’ll want to know as much as possible about insurance laws if you ride in New York, knowing the law won’t guarantee an insurer will treat you fairly. Insurance companies are notoriously biased against riders. They’ll often do everything they can to deny you the compensation you deserve.
The insurer will likely claim you were responsible for the accident just because you were riding a motorcycle. As ludicrous as that sounds, a lot of people share that bias. They think riders are thrill seekers who don’t care about those sharing the road with them.
But the attorneys with Cellino Law know how to defeat that bias. We know the vast majority of bikers ride safely. We’ll use the facts and available evidence to help you obtain every dollar you have coming. Don’t hesitate to schedule a free case review by calling (800) 555-5555 or using our online contact form.
WE CAN HELP
CALL US NOWFree Case Review
FREE CASE REVIEW
Now that reality has set in, I want to thank you for all your work and assistance in obtaining my settlement for the pelvic mesh. This money will make my life so much easier in the future. Medicare just isn't sufficient. I know that I will have enough to live on. I truly appreciate of your efforts. Thank you!
Cellino Law and more specifically my attorney, Gregory V. Pajak, Managing Attorney, and as a whole the Cellino Law Firm and its organization. This is by far one of the most professional law firms and attorney I have ever engaged with and retained in my 35 years. The level of professionalism goes beyond words, the care and constant engagement with me as the client was touching. I was never ever just treated as simply a CASE with potentially a significant dollar number attached to my file. I was engaged regularly, Tracey (Ass’t) and Greg always made sure to remain constant, as well as consistent in overseeing that my case was handled properly and that it did matter in many ways - ensuring that the end result(s) would be fair and reasonable to my case/injury. The regular follow-up calls were very satisfying, knowing that you’re involved in your case matters significantly AND always. One of my main items to recognize Cellino Law and Gregory is that whenever I called, I was able to get through to speak directly to my Lawyer and he would answer any if not all of my questions in a very professional and genuinely caring manner. I always felt cared for and protected legally and more importantly, I was made feel as a human being that was being cared for and always keeping me abreast of all matters connected to the case. There was never a point I felt let down, on the contrary -the level of service was “STELLAR”. Greg is the consummate professional, a ‘role model’, if you will, for what other attorneys should strive to become when dealing with their clients.
Choosing the right attorney to represent you after an accident can make all the difference. This is no cliche. I recently experienced these words to live by first hand. After a tractor trailer rear ended me at high speed in 2017 I retained Allan Silverstein to handle my case. I quickly realized that bringing a lawsuit rapidly snowballs into a mountain of details that can make or break your results. Documents, case histories, doctor visits, bills, and lots of phone calls all need to be accurately kept track of if a successful outcome it to be attained. To complicate matters I reside in New York and the incident took place in New Jersey. Luckily, Allan was licensed in multiple states. I was fortunate to find Allan to handle this matter from the New York area. Armed with an accurate account of the facts Allan went to work on the difficult job of negotiating with the defending insurance company as well as my no fault carrier in order to obtain the best possible outcome for my set of circumstances. In a lawsuit communication is key and and events can be of a timely nature. Allan never failed to return my calls - usually the same day! He fought skillfully and respectfully to get me the best possible settlement. He is easy to deal with and a likeable down to earth guy. He always listened with compassion and respect to my issues. He guided me with objective understanding as well as a realistic analysis of the merits of my case. When we finally settled Allan got me a fair agreement beyond my expectations and negotiated with my doctors to make sure all my bills were paid. It was a great experience having Allan represent me. Quality work in any aspect of life is hard to find. Quality is what I got with Allan Silverstein. I highly recommend him if you find yourself in need of a personal injury attorney.
Thank you for all your help. It has been a long journey. At last, the light at the end of the tunnel. Also, thank Tom for the help and work he put in.
I am so grateful for your expertise, patience, and perseverance which resulted with such a successful settlement regarding my car accident. I also want to let you know how impressed I was with you and your firm and I won't hesitate to recommend you to anyone who needs assistance from an accident. I truly appreciated your care and professionalism. Thank you again for your kindness and support
Joe and I just wanted to send you this note thanking you for the professional way you handled our lawsuit. Your kindness was extremely appreciated in a very difficult time. When we found out the people that caused the accident had no insurance, we thought our chances of receiving any settlement was nonexistent. Once we met with you and released you were able to help us our minds were put at ease. Your aggressive manner of handling the case exceeded our expectations. Please feel free to use us as a reference. Thank you so much and best wishes,
Danielle and Joe