Motorcycle Insurance

Motorcyclists in New Jersey need to understand their insurance responsibilities and choices. At Rapoport Insurance Agency, we offer motorcycle insurance policies to meet the needs of Garden State bikers.

Requirements motorcycle insurance policies need to meet

The state requires bikers to meet certain liability coverage requirements with their motorcycle policies. Liability coverage refers to coverage for damage to other vehicles in an accident that a motorcyclist is involved in.

One liability coverage requirement is that bikers need to have a policy that has at least $15,000 in bodily injury coverage for each person in an accident. New Jersey also requires $30,000 in total bodily injury coverage.

Another state requirement is that motorcycle policies carry at least $5,000 in property damage coverage.

Motorcycle coverage types

There are numerous types of coverage motorcyclists can choose from. However, liability coverage is not optional. All motorcyclists need to carry liability insurance to ride their bike legally in the state.

One optional type of coverage that many motorcyclists invest in is collision coverage. Collision coverage will cover the cost of repairs to the policyholder's own motorcycle. Another optional type of coverage is comprehensive coverage. This covers the costs of damage to the policyholder's bike caused by incidents like fire or theft.

Motorcycle insurance add-on features to consider

Motorcyclists should be aware of the add-on policy features that are available to them. These include features like rental vehicle coverage, roadside assistance, and trip interruption coverage for added coverage during long distance motorcycle trips. These add-on features can really come in handy for bikers if they ever break down or need to file a claim.

Get in touch with us if you have questions about finding the right motorcycle insurance policy in New Jersey. We're here to offer you assistance at Rapoport Insurance Agency. We can also offer you motorcycle insurance policies with a variety of options to choose from to best meet your needs.

While our office is located in Freehold, NJ, we serve clients all across New Jersey, New York, and Pennsylvania.