Will pay for the property damage and bodily injury you may cause to another party involved in an accident.

Will pay for any property damage to your motorcycle due to an accident.

Will pay for any damage to your motorcycle other than a collision; such as theft, fire or vandalism.

Will pay for bodily injury to yourself because of an accident with an uninsured motorist.

The most important thing to know about motorcycle insurance is that some policies may not offer Personal Injury Protection benefits. Therefore, if the driver of the motorcycle sustained a bodily injury due to an accident, the driver must go through their personal health care provider to pay for their hospital or medical bills. Here are some other coverages to consider:

If you’re involved in an accident while riding with a passenger, they may not have health insurance or have a limited policy that will not cover their medical payments. That’s another reason why your motorcycle insurance policy should offer adequate coverage to assist your injured passenger to pay for medical bills and continued care. This prevents financial stress and the potential for a lawsuit.

While your healthcare policy will likely underwrite some of your medical bills, optional personal injury coverage will include lost wages, childcare costs in the event you are incapacitated, and other related expenses that are not covered by any medical policy.

We’ve focused on the value of full-coverage in the event of an accident, but day-to-day, especially when you depend on your motorcycle to commute to and from work, motorcycle repair insurance, or mechanical breakdown insurance will cover certain major motorcycle repairs. Think of it as an extended warranty that provides peace of mind should your vehicle require an engine, transmission, and other repairs

Speaking of breakdowns, especially if your ride was purchased second-hand from a private owner or is past its standard warranty date, Roadside and Towing insurance prevents you from being stranded. This affordable coverage includes having your ride towed to the nearest repair shop and generally covers batteries, flat tires, and electrical system and mechanical repairs. Just like the assistance service for cars and trucks, when required, water, oil, or fuel are sent to your location immediately.

In conclusion, most states require motorcyclists to carry some form of insurance coverage, generally liability. Yet many riders, believing that a quality policy is beyond their financial reach, opt to ride without insurance. That decision could prove costly and is not sound reasoning as there are affordable coverages available. Why risk a large fine, points on, or the potential loss of your license if you are pulled over or worse, involved in an accident? There are other considerations as well: uninsured motorcyclists involved in an accident are 5x more likely to incur major financial liability. So it is a wise decision to contact our team to learn more about your coverage options. Buying affordable motorcycle insurance in New York, or any of the 18 states where Grillo & Associates are licensed, will enable you to ride with confidence and without financial risk.