In New York State motorcycles are not eligible to receive coverage under
New York’s No fault statute. To protect themselves, motorcyclists
should purchase supplemental
uninsured/underinsured motorist coverage ("SUM").
This type of insurance will provide coverage to those who unknowingly become
involved in accidents with an uninsured or underinsured vehicle. When
purchasing this insurance, motorcyclists should try to buy the maximum
liability insurance limits that they can personally afford. In doing so,
the insured will be able to purchase higher underinsured/uninsured coverage.
This is an extremely significant point to note because most individuals
who own motorcycles are not aware of the limitations on medical payments
associated with their insurance coverage.
Motorcyclists need to become better informed of the insurance policies
available to them, to ensure that they receive sufficient coverage. When
purchasing motorcycle insurance it is best to consult with an independent
insurance agent or a
personal injury attorney, they are more likely to provide information and advice necessary in making
such an important decision. Avoid online insurance offers and sales people.
A few extra dollars in premiums can provide tremendous coverage benefits