Motorcycle insurance rates fluctuate greatly in New Jersey, which makes it important to search for the best deals. The best deal, though, does not necessarily mean the cheapest rate.
Our motorcycles are more than just ways to get from one place to another. We need to protect them and ourselves with the right type of motorcycle insurance coverage. In most cases, that means getting more than just the state-mandated minimums for insurance coverage.
Unfortunately, motorcyclists tend to take most damage in vehicular accidents, and that means bodily injuries are common. Edward Licciardi Insurance Agency, LLC in New Jersey helps motorcyclists increase bodily injury coverage when needed, as well as other motorcycle insurance coverage, to help ensure bills are paid in the event of an injury-causing accident.
Minimum Required Coverage
New Jersey requires motorcyclists to carry a minimum $15,000 in bodily injury coverage for injuries to another, with at least $30,000 in total bodily injury coverage to pay for medical costs to more than one person in an accident. We also need to carry at least $5,000 in property damage coverage.
The property damage amount is relatively low because motorcycles generally do not inflict a lot of property damage. They do, however, suffer significant damage, when struck by others or in a one-vehicle accident. That makes it important to carry sufficient bodily injury protection to ensure your bills get paid after an accident. You even can add coverage for emergency medical costs, like an ambulance ride.
Comprehensive and Collision Protection
Those who finance their motorcycles or have particularly nice ones they want to protect can buy collision protection to repair or replace their bikes after vehicular accidents. Comprehensive coverage will cover their bikes from other damages, like vandalism.
Motorcyclists even can get coverage for accessories and replace their bikes after a total wreck. It is easy to find great rates on quality motorcycle Insurance by requesting a quote from the Edward Licciardi Insurance Agency, LLC in New Jersey.