New Jersey Motorcycle Insurance
Morris County, NJ & Surrounding Areas
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 New Jersey motorcycle
insurance coverage you can count on.
Let a W.R. McClure Insurance Services experienced New Jersey
Motorcycle Insurance policy specialist explain the different Liability limits,
Comprehensive, Collision, Uninsured Motorist, Medical coverage, 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 15% 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 secure online quote request form for a Morris County, NJ area
Motorcycle Insurance policy that will provide excellent motorcycle insurance coverage at an
affordable cost. Or you can speak with our New Jersey Motorcycle Insurance agent specialist at
(973) 584-5850 to discuss the insurance policy features in more detail.
Click on the link below to fill out a secure quote request form for a Morris County, NJ area
Motorcycle Insurance policy that will provide excellent motorcycle insurance coverage at an
affordable cost. Or you can speak with our New Jersey Motorcycle Insurance agent specialist at
(973) 584-5850 to discuss the insurance policy features in more detail.
We are a Flanders, NJ insurance agency offering affordable New Jersey motorcycle insurance
policy premiums to residents of the following towns, cities and counties in New Jersey: mount
olive, budd lake, hackettstown, ledgewood, succasunna, naughright, chester, mount freedom,
randolph, wharton, dover, beatyestown, port murray, great meadows, netcong, mount arlington,
hopatcong, mount hope, morristown, rockaway, morris plains, mendham, whippany, parsippany,
boonton, hurdtown, espanong, greendell, pottersville, bernardsville, basking ridge, mountainville,
high bridge, bunnvale, hampton, washington, hope, newark, trenton, camden, elizabeth, jersey
city, paterson, hackensack, cherry hill, vineland, millville, toms river, atlantic city, piscataway, fort
lee, orange, union city, paramus, new brunswick, bayonne, hoboken, north bergen, essex
county, middlesex county, mercer county, hunterdon county, bergen county, passaic county,
morris county, warren county, sussex county, somerset county, union county, hudson county,
gloucester county, camden county, burlington county, atlantic county, ocean county, cumberland
county, salem county, monmouth county, cape may county, NJ. We also offer motorcycle
insurance coverage throughout Connecticut, Pennsylvania, and New York.
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
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 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.
New Jersey 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.
New Jersey Motorcycle Insurance FAQ
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 required New Jersey Motorcycle Insurance coverage.
New Jersey Motorcycle Insurance FAQ
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.

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 New Jersey Motorcycle
Insurance. Contact us to discuss what uninsured coverage amounts you require to meet your family
and personal needs.

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 a required New Jersey
motorcycle insurance 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 insurance coverage in New Jersey.
Underinsured Motorist Bodily Injury Coverage
Underinsured Motorist Property Damage Coverage
New Jersey Motorcycle Insurance FAQ
**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.

Please be advised that insurance coverage cannot be bound, changed or confirmed via voicemail, email,
fax or online at the agency's website. You must speak directly with a licensed insurance agent.
( also CT, PA & NY )
W.R. McClure
Insurance Services
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enough to maintain personal relationships.
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options or just starting your small business, we can help.
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As an independent insurance agency we work for you.
We find affordable motorcycle insurance products
from our wide range of insurance carrier options.
W.R. McClure
Insurance Services, Inc.
230 Route 206
Building 1 - Suite 8
Flanders, New Jersey 07836
Morris County, NJ
Office: (973) 584-5850
Fax: (973) 584-3440

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