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Ride Safely with Rider Motorcycle Insurance

The Rider motorcycle insurance product provides for motorbike riders and owners in the state of New Jersey. The company, Rider Insurance, offers products covering motorcycles for recreational use classified as regular or sport/high performance. The firm offers policies including underinsured/uninsured motorist coverage, guest passenger liability and pedestrian personal injury protection or PIP.

In the state of New Jersey, the law requires all operators to carry at least standard liability coverage. Under the rule, standard liability coverage provides for bodily injury and property damage to the other party in the event that an accident occurs judged to be the motorcycle owner’s fault. The state’s minimum requirements include $15,000 for bodily harm, $30,000 for each accident and for property damage, $5,000. Rider motorcycle insurance provides for these minimum requirements among others.

The company also offers options above the state’s minimum required liability coverage. Among them are $25,000 to $250,000 for bodily injury for each person; $50,000 to $500,000 for each accident; and $10,000 to $75,000 for property damage. Rider Insurance also has a quality-plus package that covers fire, theft, and comprehensive and collision with a liability limit of the client’s choice. The company also provides up to $30,000 for any damage to or theft of an uninsured motorbike depending on the insured’s deductible and policy exclusions.

The insurance company also has discount programs categorized into three packages. The Multi Bike Discount is a ten percent discount applicable to all policyholders who have more than one motorbike on their policy at the same time. The Transfer Discount is a ten percent discount for non-sport motorcycles with no more than a ten-day lapse in coverage. The third package is the Preferred Operator Discount. This is a 25 percent discount applicable to any applicant age 35 and above who has a clean driving record and is insuring a non-sport or non-high performance motorbike at 751cc and over for the Quality Plus Package.

An accessory coverage is also offered by the insurance firm. A maximum of $8,000 of accessory provision is included on policies with the Quality Plus Package insuring a non-sport or non-high performance motorcycle at 751cc and over at no additional cost.

Rider motorcycle insurance is an option that New Jersey motorbike owners should consider. The firm offers bike owners a way to abide by the state’s motorcycling law, and at the same time, provides protection against monetary losses and other hassles that can result from accidents.