Motorcycle Insurance Discounts
Find out how much you can save with Putnam Record Insurance
Many motorcycle owners purchase insurance policies believing they have full coverage when they do not, and others do not realize that there can be MAJOR differences in various insurance policies available to them. Don’t find out too late that you are in these categories! We can provide you with a policy review and a no-risk quote so you are not left hanging.
As a Motorcycle owner in New York State you are required to hold insurance to protect your bike, yourself, and other drivers you may encounter, but since you are not an insurance expert you may ask yourself: do I have the right coverage if I am hit by another driver and injured while I am riding? What will happen if my bike is damaged, or stolen? I found cheap insurance but I have no idea exactly what it covers? Will my insurance agent work with me, personally- both before I ever file any claim to make sure I am covered, and more importantly, will that same agent be available if I find myself in an accident.
These are important questions and you should be sure you have the answers before you need them.
Putnam Record Insurance, located in Western New York, can answer all your motorcycle insurance questions, and because our agents are experts in New York State Insurance they will be sure you aware of additional options and scenarios you may not have considered.
Below is a checklist of the different aspects of Motorcycle Insurance that are available in New York State. Review this list and determine if you are:
- Aware of your current coverage for these items
- If you are aware of the items on the checklist… is your coverage sufficient to PROTECT you and your investment.
If not, call Putnam Record Insurance and our trained agents will review your coverage and provide you with pricing that is affordable AND effective.
Bodily Injury / Property Damage Liability Coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle.
Bodily Injury / Property Damage Liability Coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle.
Collision Coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. It pays for repairs to your bike if it is damaged in an accident.
Comprehensive Coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism.
Uninsured / Underinsured Motorist Coverage (UM/UIM)
Uninsured motorist coverage pays for medical treatment, lost wages and other damages if a driver who has no insurance hits you. If your uninsured motorist coverage includes property damage, then your cycle would also be covered under the same circumstances.
Underinsured motorist coverage is similar to uninsured motorist coverage, except it applies when the other party has lower coverage limits than you do and damages exceed the other party's limits.
Medical Payments
Medical payments cover the cost of any medical treatment you receive, regardless of who is at fault.
Custom Parts and Equipment
This coverage provides protection for accessories and extras to your bike.
New York State: No-Fault Law
A motorcycle is not a motor vehicle within the meaning of the No-Fault Law. Since motorcycles are exempt from the definition of motor vehicle, a motorcyclist is not a covered person under the No- Fault Law and is not entitled to these medical and lost wage benefits.You should review your insurance coverage options regularly, and ask us any questions you may have. Call or click here to request a NO OBLIGATION, NO-RISK QUOTE.