Couple on motorcycle riding away down a highway

Motorcycle Insurance Coverage| Plymouth Rock Assurance

Winding out the gears on a warm summer evening is what you dream about. Whether you’re into leather, chrome and loud pipes, or you’re more of a sport bike enthusiast, as a New Jersey rider you’re most likely part of a tight-knit community. And as all riders know, before you enjoy the freedom of the open road, it’s part of your rite of passage to figure out what state law requires when it comes to insurance coverage for yourself and your bike. Here is a breakdown of the four standard motorcycle insurance coverage options and the required minimum limits for all bike owners in New Jersey.

Bodily Injury Liability: $15,000/$30,000

All motorcycle riders in NJ are required to carry bodily injury liability. This line of insurance protects you if you cause an accident with your bike and an injured driver presents a claim or lawsuit against you because of their physical injuries sustained in the accident. The required minimum limits are $15,000 per person, and $30,000 per accident.

Property Damage Liability: $5,000 per Accident

Every bike rider is required to carry property damage liability insurance with a minimum limit of $5,000. This covers damage to others’ property resulting from an accident that you caused. Examples of property that may need to be repaired or replaced can include another person’s vehicle, fence or building structure.

Pedestrian Personal Injury Protection

Pedestrian personal injury protection pays toward the medical cost when your motorcycle or something propelled by your motorcycle injures a person who is considered a pedestrian. A pedestrian includes a person who is not riding the motorcycle, not occupying another vehicle, or not getting in or out of a vehicle. The pedestrian can include you when injured by your own motorcycle, except not while riding or getting on or off the motorcycle. The maximum limit of coverage is $250,000 per person, per accident.

Uninsured/Underinsured Motorists Coverage: $15,000/$30,000

This line of insurance, commonly listed as “UM/UIM” in your auto policy, protects you if you’re in an accident with your bike and the other driver does not carry the required auto insurance (uninsured) in New Jersey. Another way to be protected with UM/UIM coverage is if you’re in an auto accident and the other driver doesn’t carry enough insurance (underinsured) to cover the injury or damage costs caused as a result of the accident. For both auto and motorcycle, the minimum required limits are $15,000 of coverage per person, and $30,000 per accident. The Insurance Research Council recently conducted a study showing that New Jersey drivers rank fourth in the United States for uninsured motorists, with almost 15% of NJ motorists operating their vehicle without auto insurance. With this alarming rate of uninsured motorists, be sure you’re protected.

Other Coverages You Should Consider as a Rider in NJ

State law requires you to carry insurance in order to repair or replace the losses of others for which you are responsible, but what about your own bike? Now that you’re aware of insurance requirements in New Jersey, it’s also in your best interest to consider additional coverage that provides you with the protection you need when you’re cruising on the open road. In addition to NJ insurance requirements, a custom-built motorcycle insurance policy should typically have the following lines of coverage:

Comprehensive Insurance – Protects your bike from losses related to events other than a motor vehicle accident. Examples of situations covered by “comp” insurance commonly include flood, fire, hail or theft.

Collision Insurance – Provides protection when your bike is damaged in a collision with another vehicle or stationary object.

For both comp and collision coverages, the maximum amount an insurance company will pay is generally based on the actual cash value of the motorcycle at the time of the loss. Also, there may be a defined maximum limit of physical damage coverage (comp and collision combined) that the insurance company will not exceed — for example, $45,000 per motorcycle.

Other Insurance Coverages for Bikers – Depending on the carrier you choose for your motorcycle insurance, you may want to consider paying a little more premium for additional coverages that pertain to your personal preferences: 

    • Motorcycle Accessory Coverage: You may want to add protection for saddlebags, trailers (pulled by the motorcycle) and additional chrome.
    • Safety Gear Coverage: It’s important to protect your body when you’re out cruising, and safety gear isn’t cheap. Add coverage for your motorcycle helmet and riding boots.
    • Agreed Value Coverage: If you’re operating a bike that could be considered antique or vintage, make sure you have what is referred to as “agreed value” coverage on your insurance policy. This will provide a mutual understanding of bike value and balanced rate with your insurance carrier.
    • Trip Interruption Coverage: Have you ever planned a long weekend trip with friends that got derailed mid-course? Roadside assistance and trip interruption coverage may be coverage you will want to consider including in your insurance policy.

Other Vehicles Covered with Motorcycle Insurance

Whether you have an original bike straight from the factory, or you ride a custom-built bike, you have access to insurance coverage as a rider in NJ. There are other “bikes” in addition to motorcycles that most carriers would categorize as a motorcycle insurance policy. These vehicles may include scooters, minibikes and mopeds, as long as they require a license to legally operate on the road. If you happen to own or ride a bike that may not be viewed as a traditional motorcycle, you’ll want to contact your insurance representative about what type of coverage is needed.

Choose the Motorcycle Insurance Coverages That Are Right for You

There are a lot of carriers out there that offer their version of motorcycle insurance, but the type of coverage you need as a rider is different from general auto insurance. It’s in your best interest to get your coverage from a carrier that understands the unique coverage needs of riders and specializes in motorcycle insurance. By choosing us, you’ll get great value with a custom-built policy and exceptional customer service. Call today to get your motorcycle insurance policy from the premier carrier in NJ. You can also check out discounts that you may be eligible for and find more information about getting insurance quotes so that you pay the best price for the best coverage. Maybe you don't have your license yet and are looking for information about obtaining one? Whatever your need, Plymouth Rock wants to help with your coverage needs!

Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states. Insurance in New Jersey is offered by Plymouth Rock Management Company of New Jersey on behalf of High Point Property and Casualty Insurance Company, Palisades Insurance Company, Palisades Safety and Insurance Association, Rider Insurance Company and their affiliates. Each company is a separate legal entity that is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company.