Month: February 2026

Motorcycle owners in Elmira, NY, must carry insurance that meets New York’s minimum state requirements before riding. Motorcycle insurance works differently from standard auto insurance in several important ways, so it is essential to understand how coverage applies.

No-Fault State

New York is a no-fault automobile insurance state, meaning drivers of cars and trucks are required to carry personal injury protection for bodily injury. However, no-fault rules do not apply to motorcycles. Under New York law, motorcycles are not classified as motor vehicles for no-fault purposes. As a result, motorcycle owners must carry a different type of policy that meets the state’s minimum liability standards, which include:

• Liability Coverage: At least \$25,000 for bodily injury per person and \$50,000 per accident, increasing to \$50,000 per person and \$100,000 per accident in the event of a fatality. A minimum of \$10,000 in property damage liability is also required.
• Uninsured Motorist Coverage: Required by law, this coverage helps pay for bodily injury and property damage if you are involved in an accident with an uninsured driver.

Liability Coverage

Liability coverage protects the other party involved in an accident by paying for their bodily injury and property damage. It does not cover your injuries or damage to your motorcycle. Some policies may include coverage for passengers, but it is important to confirm this with an agent at Stewart Agency Inc., as coverage varies by insurer.

Additional Options

While medical payments coverage (MedPay) is not required for motorcycles in New York, it is available as an optional add-on. MedPay can help cover medical treatment and lost wages following an accident, offering valuable financial protection.

The agents at Stewart Agency Inc. can guide you through coverage options, including ways to protect passengers. Contact us today to learn more. We proudly serve the Elmira, NY, area.