Motorcycle Insurance: Common Misconceptions

Motorcyclists face unique challenges when it comes to insurance. The Nicotra Law Firm is here to help clear up common misconceptions:

• MYTH: Your car insurance covers motorcycle accidents under New York’s No-Fault laws.‍
• REALITY: No-fault insurance doesn’t apply to motorcyclists. You can sue for injuries without meeting the "serious injury" threshold car drivers face.

• MYTH: If you're partly at fault, you can't recover damages.‍
• REALITY: New York's shared fault system means you can still recover damages, even if partially at fault.

• MYTH: Liability insurance covers all injuries and damages.
• REALITY: Liability only covers others’ injuries. Protect yourself with additional coverage like collision and SUM insurance.

• MYTH: Minimum insurance is enough.
• REALITY: Minimum coverage won’t protect you adequately. Consider higher coverage tailored to your bike and riding habits.

For a free insurance policy review or legal advice, contact The Nicotra Law Firm at (716) 466-3000 or visit BikerLawyers.com. Ride safe and stay protected!