Does Motorcycle Insurance Cover Bodily Injury For Passengers?

Posted on February 27, 2026February 20, 2026 by admin

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.

What Should You Pay Attention To When Buying Motorcycle Insurance For the First Time

Posted on February 28, 2025February 26, 2025 by admin

Purchasing your first motorcycle is an exhilarating experience, but before you hit the open road, it’s crucial to ensure you’re adequately insured. Motorcycle insurance provides protection and peace of mind every time you ride. At Stewart Agency Inc. in Elmira, NY, we assist riders in finding the proper coverage. If you’re buying motorcycle insurance for the first time, here are a few key things to consider.

Understanding Coverage Options

Not all motorcycle insurance policies are the same, so it’s important to understand what’s included. Liability coverage is required in most states and helps cover damages or injuries you may cause to others. However, it doesn’t cover repairs to your own bike. Comprehensive and collision coverage can protect your motorcycle from accidents, theft, vandalism, or weather-related damage. Consider your budget and the level of protection you need before choosing a plan.

Factoring in Your Riding Habits

Your riding habits can impact the type of coverage that’s best for you. If you only ride occasionally, you may not need the same level of coverage as someone who commutes daily. Additionally, if you have a custom or high-value motorcycle, you’ll want to ensure your policy covers specialized parts and accessories.

Comparing Deductibles and Premiums

Like any insurance policy, motorcycle coverage comes with deductibles and premiums. A lower deductible means you’ll pay less out of pocket if you file a claim, but it may result in higher monthly premiums. Finding the right balance between affordability and protection is key.

Choosing the right motorcycle insurance doesn’t have to be complicated. Stewart Agency Inc. in Elmira, NY is here to help you navigate your options and find a policy that keeps you protected. Contact us today to get started.

Four reasons why you might want to change your motorcycle insurance policy

Posted on March 29, 2024March 31, 2024 by admin

At Stewart Agency Inc., we understand your motorcycle insurance needs may evolve, and keeping your policy updated is crucial. This article highlights four integral reasons to consider when adapting your motorcycle insurance policy for riders in Elmira, NY.

Inclusion of Important Features

If you realize that your policy lacks invaluable features like roadside assistance or rental reimbursement, then it’s time to reconsider your coverage. These features enhance your policy’s benefits and could be pivotal in case of an accident or breakdown.

Adding Riders to Your Policy

You might frequently let others ride your bike. However, your policy may not cover these drivers unless they are explicitly added to it. Therefore, to keep you covered against any eventualities, consider adding frequent riders to your policy.

Importance of Superior Customer Service

Your insurance provider’s customer service can influence your satisfaction with your coverage. If you face difficulties acquiring necessary information or fail to receive satisfactory service from your provider, you might want to switch to a provider known for exceptional customer support.

Need for Collision and Comprehensive Coverage

Remember that basic motorcycle insurance typically doesn’t include collision and comprehensive coverage, limiting your claim to a liability insurance payout after an accident. Ensure that your policy includes both collision and comprehensive coverage to adequately protect your motorcycle’s value.

Learn More About Your Options

Visit Stewart Agency Inc. for more insights on motorcycle insurance in Elmira, NY. Our agents are here to answer your questions and provide a custom policy quote tailored to your specific needs.

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Category: Motorcycle Insurance