In New York State, motorcycles are insured in the following manner:

1. Fully covered from April-September.
2. Insurance is extended during the other six months of the year as weather and road conditions justify the use of the bike.

Translated: If you ride in conditions that you shouldn't be out in, they won't cover you. But If you find a nice clear dry warm day in the middle of February and you want to ride, they'll cover you.

It also makes it so the motorcycles are technically covered year round so motorcycles do not have to turn in their plates every september and then reregister every spring when you want to ride again.


I am not a lawyer. I am not an insurance agent. If you need your policy interpretted, use a professional.