New Jersey Motorcycle Insurance Information
The value of good motorcycle insurance often doesn't become apparent
until you really need it. Whether it's a minor fender bender or a more
substantial accident, it pays to have insurance coverage you can count on.
Let our experienced New Jersey Motorcycle Insurance policy specialist
explain the different Liability limits, Comprehensive, Collision, Uninsured
Motorist, Medical coverages, and deductibles that are available for you to
choose from. We offer affordable motorcycle insurance
policies from a leader in the insurance industry. This
means more stable premiums and none of those 20%
increases after the first year.
Learn more about New Jersey Motorcycle
Insurance policy coverage options below!
Click on the link below to fill out a quote request form
for a Motorcycle Insurance policy that will provide
excellent motorcycle insurance coverage at an
affordable cost. Or speak with our New Jersey
Motorcycle Insurance Agent Specialist to discuss the
features.
We are your local northern New Jersey insurance agency, offering affordable motorcycle
insurance policy premiums to residents in the following cities and counties: Succasunna,
Boonton, Boonton Township, Brookside, Budd Lake, Butler, Cedar Knolls, Chatham,
Chester, Convent Station, Denville, Dover, Dover Annex, East Hanover, Fayson Lakes,
Flanders, Florham Park, Gillette, Green Village, Greystone Park, Hibernia, High Crest,
Ironia, Kenvil, Kinnelon, Lake Hiawatha, Lake Hopatcong, Lake Intervale, Landing,
Ledgewood, Lincoln Park, Lindy Lake, Long Valley, Lower Montville, Lyonsville, Madison,
Mendham, Meriden, Millington, Mine Hill, Montville, Montville Township, Morris Plains,
Morristown, Mount Arlington, Mount Freedom, Mount Olive, Mount Tabor, Mountain Lakes,
Netcong, New Vernon, Parsippany, Pequannock, Pequannock Township, Picatinny Arsenal,
Pine Brook, Pinebrook, Pompton Junction, Pompton Plains, Powerville, Ralston, Randolph,
Riverdale, Rockaway, Rockaway Valley, Schooleys Mountain, Stirling, Tabor, Taylortown,
Towaco, Troy Hills, Wharton, Whippany, Stanhope, Hopatcong, Espanong, Hurdtown,
Cranberry Lake, Andover, Greendell, Woodport, Springdale, Oak Ridge, Milton, Sparta, Lake
Lenape, Newton, Ogdensburg, Saxton Falls, Johnsonburg, Allamuchy, Vienna,
Hackettstown, Beattystown, Marksboro, Hope, Townsbury, Washington, Newark, Elizabeth,
Rahway, Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret, Perth Amboy, Fords,
South Amboy, Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood,
North Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield,
Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex, Martinsville,
Piscataway, Edison, New Brunswick, Highland Park, Somerset, Milltown, South River,
Bound Brook, Somerville, Bridgewater, Fairview, Ridgefield, Fort Lee, Leonia, Palisades
Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus, Bogota, Ridgefield
Park, Little Ferry, Hackensack, Maywood, Teterboro, South Hackensack, Rochelle Park,
Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield, Elmwood Park, Woodridge,
Carlstadt, East Rutherford, Lyndhurst, Rutherford, Wallington, Passaic, Clifton, Paterson,
Totowa, West Paterson, Little Falls, Great Notch, North Caldwell, Cedar Grove, Verona,
Montclair, Bloomfield, West Orange, Glen Ridge, Belleville, Nutley, Kingsland, North
Arlington, Kearney, Harrison, East Orange, East Newark, Orange, Irvington, South Orange,
Hillside, Townley, Livingston, Wayne, Morris County, Sussex County, Somerset County,
Pasaic County, Bergen County, Hunterdon County, Union County, and Warren County, NJ.
We also offer motorcycle insurance services throughout the state of New Jersey, including
the greater New York City area.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Liability Coverage (Bodily Injury & Property Damage)
New Jersey Motorcycle Insurance
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a
motorcycle insurance policy. The minimum bodily liability insurance coverage
available for purchase in New Jersey is 15/30 and is explained in detail below.
However, we recommend that you choose liability insurance coverage amounts
that are much higher than the minimums listed below. Contact us to discuss what
liability coverage amounts you require to meet your family and personal needs.

New Jersey Liability Coverage limits explanation:
15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, fence, or house, is covered through property damage motorcycle
insurance coverage. The minimum coverage amount in New Jersey is $5,000.
Medical Payments Coverage - New Jersey Motorcycle Insurance Policy
Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding on or driving your motorcycle. Claims
against this coverage include all reasonable hospital, surgical, chiropractor, X-ray,
dental, professional nursing, prosthetic, and funeral expenses. It will also cover you
or members of your family if you are hit by a car when you are walking or if you are
riding on another motorcycle. This coverage will pay for your medical and funeral
expenses even if you cause the accident. The coverage is often limited to medical
care you get in the first one, two, or three years after the accident and is limited to a
specific dollar amount. This is a required Motorcycle Insurance coverage in New
Jersey.
20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

Collision Coverage - New Jersey Motorcycle Insurance Policy
Covers damage caused to the owners motorcycle from a collision caused by another
vehicle or other object. The deductible is the amount you choose to pay upfront (if any)
before the motorcycle insurance policy pays. The higher the deductible you choose,
the lower the collision coverage cost within the New Jersey Motorcycle Insurance
policy.
New Jersey Motorcycle Insurance FAQ
Comprehensive Coverage - New Jersey Motorcycle Insurance Policy
Covers damage caused to the insured's motorcycle (your motorcycle) from risks
such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before the
motorcycle insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the New Jersey Motorcycle Insurance policy.
New Jersey Motorcycle Insurance FAQ
New Jersey Motorcycle Insurance FAQ
New Jersey Motorcycle Insurance FAQ
Uninsured Motorist Coverage - New Jersey Motorcycle Insurance Policy
Example of uninsured motorist limits:
New Jersey Motorcycle Insurance FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-
fault driver who has no auto or motorcycle liability insurance. This is a required
coverage for Motorcycle Insurance in New Jersey. Contact us to discuss what
uninsured coverage amounts you require to meet your family and personal needs.

Underinsured Motorist Coverage - New Jersey Motorcycle Insurance
This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.

Protects you if your motorcycle is damaged in an accident caused by a driver who
has insufficient auto or motorcycle insurance coverage. This coverage pays the
difference between the coverage limit you select and the other driver's property
damage coverage limit. This is not a required coverage in New Jersey.
This type of motorcycle insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an
accident caused by a driver who has insufficient auto or motorcycle insurance
coverage. The motorcycle insurance coverage typically pays the difference
between the coverage limit you select and the other driver's bodily injury coverage
limit. This is not a required motorcycle insurance coverage in New Jersey.
Underinsured Motorist Bodily Injury Coverage
Underinsured Motorist Property Damage Coverage
New Jersey Motorcycle Insurance FAQ
Click on the link below to fill out a quote request form for a Motorcycle Insurance
policy that will provide excellent motorcycle insurance coverage at an affordable cost.
Or speak with our New Jersey Motorcycle Insurance Specialist to discuss the
features.
Answer a few questions and
we will provide you with a
quote by email or phone.
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