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"Your New Jersey Motorcycle
Insurance Policy Agent"
"Offering Professional
Insurance Services Since 1976"
Answer a few general
questions and we will provide
you with a no obligation quote
by phone or email. Choose
the New Jersey Personal or
Business Insurance coverage
you're interested in from one
of the menus above.
Personal Insurance
Motorcycle Insurance
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Let our experienced motorcycle insurance specialists explain the different Liability
limits, Comprehensive, Collision, 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 stable premiums and
none of those 15% increases after the first year.
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.
Learn more about New Jersey Motorcycle
Insurance coverage options below!
New Jersey Motorcycle Insurance Policy
Click on the link below to fill out a quote request form for a
New Jersey Motorcycle Insurance policy that will provide
first class motorcycle insurance protection at an affordable
cost. Or you can speak with our New Jersey Motorcycle
Insurance agent specialist at 732-680-4444 to discuss the
features.
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 chosen the lower the collision coverage cost of
the motorcycle insurance policy.
New Jersey Motorcycle Insurance FAQ
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 of the motorcycle insurance policy.
New Jersey Motorcycle Insurance FAQ
New Jersey Motorcycle Insurance FAQ
New Jersey Motorcycle Insurance FAQ
New Jersey Motorcycle Insurance FAQ
New Jersey Motorcycle Insurance FAQ
New Jersey Motorcycle Insurance FAQ
Injuries that you (insured) cause to someone else is covered under this part
of a motorcycle insurance policy. New Jersey has minimum liability
insurance coverage requirements. The minimums are listed below. However,
we recommend that you choose liability insurance coverage amounts that are
much higher than the minimums required by New Jersey law.
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. This coverage also assists in protecting
you if a lawsuit arises from an accident.
Bodily Injury Liability
Property Damage Liability
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.
Minimum New Jersey liability limits:
Medical Payments Coverage covers the cost of necessary medical care provided
to you as a result of a motorcycle accident and applies no matter who is at fault.
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.
80% of medical benefits for all reasonable expenses for necessary medical,
surgical, x-ray, dental and rehabilitative services, including prosthetic devices,
wheelchairs, crutches, slings, neck braces and splints (including necessary travel
related to medical care.)
80% of necessary remedial treatment (nursing home care or home nursing care).

60% of disability benefits for any loss of gross income and loss of earning capacity
from inability to work because of an injury suffered in an accident.
Benefits Provided:
New Jersey does require "no-fault" motorcycle insurance coverage. This
coverage pays medical bills for injuries suffered in a motorcycle accident
regardless of who caused the accident.
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
required for motorcycle insurance in New Jersey.
Example of uninsured motorist limits:
100/300 100=$100,000 - 300=$300,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.

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.

Underinsured Motorist Bodily Injury Coverage

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 coverage in New Jersey.
Underinsured Motorist Property Damage Coverage

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.
"We're Your Local New Jersey Motorcycle Insurance Policy Specialist!"
We offer affordable motorcycle insurance policy premiums in the following New Jersey
counties and cities: Union County, Essex County, Bergen County, Passaic County, Sussex
County, Morris County, Warren County, Hunterdon County, Somerset County, Middlesex
County, Monmouth County, Mercer County, Burlington County, Clark, Newark, Jersey City,
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, North Brunswick, Sayreville, East
Brunswick, Somerset, Milltown, South River, Bound Brook, Somerville, Bridgewater,
Bayonne, Linden, Roselle, Hoboken, Union City, Weehawken, West New York, Guttenberg,
Cliffside Park, Edgewater, North Bergen, Secaucus, 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, Trenton, Camden, Atlantic City, Princeton, Vineland,
Willingboro, and Toms River, NJ.
Copyright 2004-2008 American Insurance Services Agency - All rights reserved
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American Insurance
Services Agency
1129 Raritan Road
Clark, New Jersey 07066
(732) 680-4444
Fax: (732) 680-4067