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New York Motorcycle Insurance Requirements

New York Motorcycle Insurance Requirements

New York is located in the Northeastern region of the United States. It is a medium-sized state, but has the third largest population in the U.S. It is home to New York City – which is the single most populated city in the United States. The city and state are known as a cultural melting pot – with different cultures and many immigrants. The name of the state was in honor of the 17th century Duke of York. The state has a rich amount of historical monuments including the Statue of Liberty, 9-11 World Trade Center attacks, and Ellis Island. During the Revolutionary War, it is estimated that nearly 30% of all battles took place in New York.

It has been nicknamed “The Empire State” because it had the world’s tallest building for over 40 years; The Empire State building. Residents in this state are in the top six highest personal incomes in the United States. The economy in this state is geared towards agriculture, finance, security, manufacturing, cement production, and tourism. Many people know its famous for the New York Stock Exchange (NYSE) which is the largest exchange throughout the world. Many professional sports teams also attract people to the area including the Yankees, Giants, Jets, Bills, Knicks, and Red Bulls.

New York Motorcycle Insurance Requirements

Are you going to drive a motorcycle in the state of New York? If you have a motorcycle or other two-wheeled vehicle, you need to make sure that it meets the state’s legal requirements. Additionally, you need to make sure that you have established financial responsibility before you ride. Financial responsibility just means that you will have enough financial backing to pay for any damages that you could (potentially) cause in the event of an accident.

How to Establish Financial Responsibility in NY

Compared to most states, New York requires more coverage for operating a motor vehicle. Before you take your motorcycle on public roads, you will need to have liability, uninsured motorist, as well as personal injury protection (PIP) insurance.

  • Insurance Policy – Your policy must include: PIP (No-Fault), Liability, as well as UM (Uninsured Motorist) coverage to the required amounts.

If you are searching for a policy, an insurance provider will help make sure that you get what is required for the state of New York. You must make sure that you purchase coverage from an official provider that is licensed to sell insurance in your state.

Motorcycles / Two-Wheeled Vehicles Defined

It is of high importance to understand the exact classification of your motor vehicle. There are many different types of 2-wheeled vehicles that may appear similar. If you are unsure about which definition your particular two-wheeled vehicle matches, you can contact the New York Department of Motor Vehicles (DMV) and ask questions.

Motorcycle: Any motor vehicle with a seat or saddle for use of the driver that rides on not more than 3 wheels in contact with the ground.

Limited Use Motorcycles: A low speed vehicle with two or three wheels. The requirements to operate a limited use motorcycle are the same as those for motorcycles. You must have a license and registration to drive it on public roads.

Note: Both “mopeds” and “motor scooters” are under the category of limited use motorcycles. If your “limited use” motorcycle falls between the Class A (30 mph to 40 mph) or Class B (20 mph to 30 mph), you are required to get it insured. Class C (less than 20 mph) does not require insurance.

New York Minimum Insurance Requirements for Motorcycles

Below are the minimums that must be met for motorcycle insurance in the state of New York. If you chose to drive without sufficient coverage, you will face legal penalization. Always make sure that you stay up-to-date with your protection.

Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $10,000 property damage per accident

Uninsured Motorist Insurance:

  • $25,000 per person

  • $50,000 per accident

Personal Injury Protection (PIP):

  • $50,000 per person

Note: It is required that you get all three forms of coverage within your policy. Liability insurance is what protects your assets if you injure another person or damage property. Uninsured motorist protection is coverage that will help you if you are hit by someone that lacks insurance. And PIP coverage is what helps pay for medical expenses. A “no fault” law is in place throughout New York which means your insurance helps regardless of who is at fault.

New York Laws: Safety & Licensing Requirements

Listed below are various laws that you must follow in regards to helmets, protective eye-wear, headlights, and licensing. All of the information is pretty straightforward. Keep these legal regulations in mind whenever you decide to drive your motorcycle.

  • Helmets: All drivers and passengers are required to wear helmets while operating a motorcycle in the state of NY.
  • Eye Protection: Drivers and passengers are also required to have certified eye protection while aboard a motorcycle.
  • Headlights: It is mandatory to use headlights during the daytime.
  • Licensing: All drivers must obtain a Class M or MJ license to operate a motorcycle. This will require proper testing including a written and a road (skills) test. These tests must be passed to show competency and obtain a motorcycle license. If you have already passed a Motorcycle Safety Foundation “Basic Rider” course, the skills portion of state testing may be waived.

Proof of Insurance in NY

When you buy an insurance policy in New York, the state DMV is notified electronically from your insurance provider. This electronic notification is necessary so that the state has your record and can verify your insurance card if they ever ask for proof. Insurance fraud is a huge problem throughout the state of New York – so officers will commonly ask to verify coverage.

  • Insurance ID Card: You will be given an insurance identification card to keep with you at all times while operating your motorcycle. This is to be used as proof of insurance if you are in an accident or get pulled over by a police officer.

Note: If you are pulled over, you must show your insurance identification proof. You must always carry an up-to-date card. If your card expires, your provider will issue you a new one showing that you renewed coverage.

Penalty for Lack of Insurance in NY

If you are caught riding without insurance in New York, you are going to be penalized. A police officer will give you a chance to show proof of coverage, but if you forgot to renew your policy, avoided getting coverage, or have fake coverage (e.g. commit insurance fraud), you are in some trouble. Below are various penalties that will be imposed if you don’t have insurance.

  • Citation: You will be immediately issued a citation for lack of insurance.
  • Suspended License: You will need to turn in your license plates if you are caught driving without insurance. Your driving privileges will be suspended indefinitely and you must have insurance before it is reinstated.
  • Suspended Registration: The registration for your motorcycle will be suspended. A police officer will allow you to get it reinstated once the suspension period has ended.
  • Reinstatement Fees: You will be charged a fee of $50 by the state to get your license and registration reinstated. You will also need to make sure you have proof of valid insurance before the reinstatement is granted.

New York Motorcycle Insurance Companies

In order to find a trustworthy insurance provider for your coverage in New York, you will need to do some research. This website has free forms that you can use to collect quotes and compare them with one another. When looking at various companies, you should be comparing the amount of coverage with the price you will be projected to pay for a policy. If the price with one company is lower than the rest, and they provide quality coverage, you should consider them for your insurance.

If you are currently unable to obtain coverage through a major provider, you may want to look up the New York Automobile Insurance Plan (NYAIP). This is specifically designed for individuals that were turned down by other providers for coverage. The NYAIP should only be used as a last resort. As long as you take the time to conduct a manual comparison of quotes and coverage, and you read some company reviews (on this website), you should be able to fulfill your insurance needs in the Empire State!

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