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Motorcycle Riders Face Special Challenges – PART 3

July 10, 2012

After strapping on your helmet, the next best protection you can have in case of a motorcycle accident is insurance. How much you’ll need will depend on many different factors including the type of bike you own, how often you ride, your marital status, your personal assets and your budget. Liability covers bodily injury and property damage that you may cause to others involved in an accident. Other coverages include uninsured or underinsured motorists, which covers personal injury and damages caused by the driver of another vehicle who either does not have insurance or does not have sufficient coverage. Collision covers physical damage to the motorcycle involved in a crash with an object, tree or another vehicle. Comprehensive covers a loss from non-collision sources like theft, vandalism, fire or hail. The laws differ in different jurisdictions, but most New York State bikers know that the general unavailability of personal injury protection (PIP), also known as No-Fault insurance, is a challenging topic in our state. As with purchasing any type of insurance, we suggest that you seek the advice of a qualified advisor.


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