Pennsylvania Motorcycle Insurance Coverage Options

With so many insurance options out there, how can you be certain you’ve picked the right coverage? That’s were we can help. Using the experience we’ve acquired representing people hurt in motorcycle accidents, we’ve compiled the recommended amounts of coverage that will best protect you if you’re ever in a motorcycle accident.

FYI: Limited and Full Tort

Unlike auto insurance in Pennsylvania, motorcycle insurance does not include limited or full tort options. That means insured bikers injured in an accident can collect money for pain and suffering.

Medical Expense Benefit

This pays for your medical bills when you get hurt in an accident. Medical expense coverage is paid by you, protects you, and pays benefits to you. The expenses covered will be listed in your policy, so be sure to review this information carefully.

Bodily Injury Liability

This is required by Pennsylvania. The state minimum for bodily injury liability coverage is $15,000. But, this coverage on your insurance policy does not pay benefits to you. It covers any claims against you if you are found legally responsible for causing an accident.

This also works in reverse, against you. If you are the person injured by another driver, that driver is only required to have $15,000 in bodily injury liability insurance coverage to pay you for your injuries, if they are found to be legally responsible for the accident.

Uninsured Motorist Coverage and Underinsured Motorist Coverage

Since many people only have the minimum amount of insurance, or none at all, if you suffer a serious injury, $15,000 could be incurred in medical expenses immediately and the value of your claim could easily exceed such low levels of insurance. If that is all the coverage the at-fault driver has, then you may not receive all your entitled benefits. Edgar Snyder & Associates strongly suggests purchasing Underinsured motorist coverage and Uninsured motorist coverage is essential for you to protect yourself properly.

• Underinsured motorist coverage pays benefits to you in the event you are injured by a person who has inadequate insurance to pay your claim.
• Uninsured Motorist Coverage pays benefits to you in the event you are injured by a person who has no insurance to pay your claim. Although auto insurance is required in Pennsylvania, there are a surprising number of uninsured motorists on our roads.

Our Firm recommends that you carry a minimum of the following levels of underinsured motorist coverage and uninsured motorist coverage:

• $100,000 per person
• $300,000 per occurrence

Beware!!! Rejecting underinsured motorist coverage and uninsured motorist coverage on a motorcycle sends a terrible ripple effect throughout your other policies. Insurance agents often suggest that clients reject or reduce underinsured and uninsured coverage. Remember, underinsured and uninsured coverages are very important as they pay benefits to you in the event you are injured by a person who has inadequate or no insurance to pay your claim.

Our Firm strongly recommends that you insist your agent include both of these coverages on your policy.

Did You Know?
If you reject or reduce underinsured or uninsured coverage on your motorcycle, you are disqualified from collecting this coverage from your automobile policy even though you have paid premiums for the coverage.

One Policy-Autos and Motorcycles & Stacking

If available, we strongly recommend that your motorcycle be insured on the same policy as other automobiles in the household. While certain areas of motorcycle law are in a state of flux, many insurance companies have sought to avoid paying underinsured and uninsured motorist coverage to victims of motorcycle accidents if the motorcycle is not included on the policy along with the other cars in the house.

If you insure more than one motorcycle on a policy or a motorcycle on the same policy with your automobiles, be sure to request stacking . In Pennsylvania, purchasers of auto insurance have the option to stack uninsured and underinsured motorist coverage. When you choose "stacking," this means that you can add the coverage together for each vehicle you have insured under the same policy.

For example, if you have two vehicles on the same policy each with an uninsured or underinsured motorist coverage of $100,000/$300,000, you can stack the coverages and have $200,000/$600,000 available in coverage.

Again, we strongly recommend that you always choose stacking.

For more information on any of these coverages, or for information on our Firm's recommendation for auto insurance coverage, visit our auto insurance section. <auto insurance home page?> Motorcyclists who have any questions concerning insurance coverage or want to change their coverage should contact an insurance representative.

• Explore more motorcycle accident resources such as state helmet and insurance laws.
• Get tips on how to prevent motorcycle accidents.
• Protect your legal rights. Find out about the steps to take after an accident.
• Learn more about the highly-rated law firm of Edgar Snyder & Associates.
• Read about the successful results we’ve secured for accident victims.
• Get a list of Do’s and Don’ts if in an accident.

Injured in a Motorcycle Accident? Contact Us Now For a Free Evaluation of Your Legal Case.

Call us toll-free at 1-866-943-3427 or get online legal help, and we'll give you a free evaluation of your claim.