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Riding on the open road is something many New Jersey residents enjoy. But whether your motorcycle of choice is a Harley Davidson, Kawasaki, BMW, Yamaha, Suzuki, or Honda, it’s important to protect both your bike and yourself through motorcycle insurance. Accidents happen. So does theft. Donnelly & Sproul protects you from both unfortunate incidents.
Motorcycle insurance covers the risk of owning and riding a motorcycle. It includes bodily injury liability coverage and property damage coverage, and can extend to accessories, such as sidecars and trailers. A typcial policy not only cover the motorcycle, but also the driver. Adding a passenger liability rider or premium means that your riding passengers are covered as well.
If you are at fault in a motorcycle accident, you could be held financially and legally responsible for damage or injury caused by the accident. There are two main types of coverages:
In order to comply with New Jersey law, motorcycle owners must carry a minimum basic insurance coverage or a standard coverage to establish financial responsibility.
Basic: Provides minimum coverage:
Standard: Includes the option to add extra protection.
Penalties for Failure to Meet Motorcycle Liability Requirements
While riding your motorcycle, you must carry a certificate of self-insurance. No proof of insurance will lead to the following New Jersey penalties:
Here at Donnelly & Sproul, we have been a trusted insurance agency for our New Jersey residents for nine decades. We offer our Garden State bikers the most affordable motorcycle insurance rates and comprehensive coverage through several prominent insurance carriers.
Other reasons to choose Donnelly & Sproul: