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Hello my name isXXXXX was wondering if its against

the ny state law to...
Hello my name isXXXXX was wondering if its against the ny state law to get a motorcycle brand new with a loan and not get full coverage from the insurance . My bike was stolen on tuesday oct 29 and i call my insurance company and they said i didn't have full coverage. Please help me out Thank you XXXXX XXXXX
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Answered in 7 minutes by:
11/2/2013
Joseph
Joseph, Lawyer
Category: Legal
Satisfied Customers: 5,299
Experience: Attorney with significant and substantial experience in multiple areas of law.
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Hello and welcome to JustAnswer,

My name isXXXXX am a licensed attorney, and my goal is to provide you with excellent service today.

No, it is not illegal under New York state law (or under any state law for that matter) for someone to have a loan for a new car or motorcycle and not have comprehensive coverage on the vehicle.

While it is customary for lenders to require that someone purchasing a new motorcycle or car obtain comprehensive coverage on the car as well as liability coverage, there is no legal requirement for them to do so. So it is up to the lender to decide whether they require the purchaser to have comprehensive coverage on the car, which would provide the owner (including the lender) with the replacement value of the motorcycle if stolen.

The law only requires that any person who owns and drives a vehicle (including a motorcycle) have liability insurance.


I hope the above information is helpful, although I realize it is not what you wanted to hear. I sincerely XXXXX XXXXX had better news to give you, but I hope you appreciate an honest and direct answer to your question. It would be unprofessional of me and unfair to you to provide you with anything less.

Please let me know if you have any follow up or clarifying questions as I want to ensure that you are completely satisfied with my service.
If not, PLEASE remember to rate my answer POSITIVELY (Excellent Service preferably) so I get credit for my work. I put significant time and effort into my answers and DON’T receive anything unless you rate me positively. It doesn’t cost you anything extra and is necessary even though you’ve made a deposit. Please also rate me highly (9-10) when you receive your customer satisfaction survey.

Thanks and best of luck!

-Joseph

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Customer reply replied 4 years ago
What would be the next step if any or am i stuck with a $12000 bill for something i don't even own. Thank you very much for your help
Hello Andrew,

If you believe that you had purchased full coverage insurance from the insurance company through their representations to you, you could potentially sue them for bad faith for not having given you the policy that you were led to believe that you had.

Otherwise, I'm afraid that you are still liable to repay the motorcycle loan to the bank even if you no longer have the motorcycle.

Of course, if you haven't done so, you should report your motorcycle stolen.

With any luck, police will track down your stolen motorcycle, so you don't have to pay $12,000 for something you no longer have.

Again, I really wish I had better news to give you, and can relate, as I've had a scooter stolen myself.
Joseph
Joseph, Lawyer
Category: Legal
Satisfied Customers: 5,299
Experience: Attorney with significant and substantial experience in multiple areas of law.
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

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