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Joe Hartrich of American Harley Davidson With Steve Kantor
Insurance Information You Need To Know As A Biker
You are in danger...every time you get on your bike.
The Kantor Law Firm Western New York's Motorcycle and Personal Injury Attorneys are very aggressive in protecting you, but there are many things you should know to protect yourself. We're concerned that riders are not "FULLY COVERED". While full coverage are words thrown around by insurance companies, they're often misunderstood. Since we started representing motorcycle riders, we have discovered that many are underinsured, motor vehicles. All too often, the people causing the accident do not have the enough insurance to cover the injuries of the motorcycle rider. Motorcycle accident victims all over the country including New York State lose thousands of dollars annually because they do not know how to adequately protect themselves with proper motorcycle insurance. Many believe they have "full coverage" when they do not, while others have difficulty telling the difference between assorted types of insurance coverage.
Uninsured/Underinsured Motorist Protection
This is an important type of insurance coverage because of the large number of uninsured/underinsured motorists on the streets today. This type of coverage may allow you to collect against your own insurance policy if you are injured by a uninsured / underinsured motorist or injured by a hit-and-run driver.
No Fault Does Not Apply To Motorcycles
New York State Insurance Law under Article 51 excludes motorcycles under the no fault law and you and your passenger are not covered by no fault insurance. It is very important you know where you stand with your insurance coverage. A simple phone call to your insurance agent can clear up a lot of misconceptions and avoid future disappointment.
Each year there are many two-vehicle fatal crashes involving a motorcycle and another type of vehicle. In 40 percent of these crashes, the other vehicle was turning left while the motorcycle was going straight, passing, or overtaking the vehicle.
Please remember to be safe, be seen and enjoy the ride.
This is an important type of coverage because of the large number of uninsured/underinsured motorists on the streets today. This type of coverage you to collect against your own insurance policy if you are injured by a uninsured / underinsured motorist or injured by a hit-and-run driver. New York State Insurance Law under article 51 excludes motorcycles under the no fault law and your passenger are not covered. For spouses you should have spouse liability coverage. It is very important you know where you stand with your insurance coverage. A simple phone call to your insurance agent can clear up a lot of misconceptions and avoid future disappointment.
When the Insurance Company Calls
Hopefully you will have contacted The Kantor Law Firm, the Motorcycle and Personal Injury Attorneys before this happens and we will be handling all the insurance company hassles, but if not, keep these things in mind. The insurance company wants to lower or even eliminate its liability. A representative or adjuster may show up in person or call you to ask you a few questions. They will document your statements or even record you hoping to damage any future efforts you may make in filing a claim. That is why it is in your best interests to have legal representation to protect against these savvy professionals. Do not give a statement and do not let yourself be recorded until you have talked to The Kantor Law Firm.
Minimum coverage under NYS Insurance Law is $25,000 to $50,000 – suggested policy coverages offered by most insurance companies are $100,000 to $300,000 or $250,000 to $500,000 Uninsured/Underinsured Motorists Coverage. Some insurance companies may offer higher coverage.
Depending on your income. This coverage is modestly priced, so protect yourself and your loved ones. Remember to stay alert and ride safe, but if for some reason you or someone you know has a motorcycle accident, it is extremely important to hire an experienced motorcycle personal injury attorney as soon as possible following the accident.
The Kantor Law Firm is known for aggressive and effective representation with respect and integrity. For More information call
(716) 626-0404 or 1-877-SKANTOR