Its around this time, we get a lot of calls for motorcycle coverage. The customer calls us looking for coverage…cheap coverage. Cheap however, isn’t always saving you in the long run.
Did you know that in New York State Personal Injury Coverage doesn’t cover you on your motorcycle?
I know what you are thinking… “What? Wait a minute I see Personal Injury coverage on the quote you gave me.” Yes, there is PIP coverage for motorcycles which is required by New York State but it only applies to injured pedestrians. Not to you. Not to your passengers.
Your reply: “Ok. Well I have health insurance, so I don’t need that PIP coverage anyways." Wrong again. Unfortunately, if you are injured in a motorcycle accident where you are driving the motorcycle, your health insurance will not pick up the tab either.
Finally your reply: “Ok. Is there ANYTHING that will cover me if I wipe out on my bike?”
Yes. Actually with many companies, you can purchase voluntary coverage called Medical Payments. While sometimes this may not be as high as the limit on a personal auto policy, many companies offer coverage anywhere from $5,000 to $25,000 or higher in medical payments. This is what will cover you if you are injured on your motorcycle.
One last question: “What about my passengers who are on my bike with me?”
Your passenger would be covered under the passenger liability portion on your policy. Some companies include this directly with the Bodily Injury coverage on the liability of your policy. Other companies have this as an option. Make sure your agent includes this if it isn’t already included.
Things to Remember:
Besides protecting yourself with a helmet and the proper gear, make sure you double check your coverages before you head out to hit the open road this summer. Make sure your agent max’s out the coverage for you on your policy on your medical payments. If you are getting a quote and they are quoting you with multiple carriers find out what the maximum coverage each company offers. Be sure you know exactly what you are paying for. If you are unsure of the coverages, ask your agent to explain and review them with you so that you understand them. This is the only coverage to protect you on the open road. Know before you go, it can be just as important as a helmet.