Pennsylvania Motorcycle Insurance Coverage
Choosing the right motorcycle insurance coverage can be tricky. That’s where we can help.
Using over 30 years of experience representing bikers hurt in motorcycle accidents, we’ve compiled these Pennsylvania motorcycle insurance recommendations to best protect you if you’re ever in a motorcycle accident.
Choosing Pennsylvania Motorcycle Insurance Coverage
- Uninsured Motorist Coverage and Underinsured Motorist Coverage – Uninsured/Underinsured Motorist Coverage provides protection if you are injured in an accident caused by a driver who doesn’t have any insurance, or doesn’t have enough insurance to fully compensate you for your losses. Minimum recommended coverage: $100,000 per person, $300,000 per occurrence
- Bodily Injury Liability – Many states have minimum coverage amounts for Bodily Injury Liability, which is designed to cover any claims against you if you’re found legally responsible for causing an accident. Minimum recommended coverage: $100,000 per person, $300,000 per occurrence
- Motorcycle Insurance and Stacking – If possible, have your motorcycle insurance on the same policy as other vehicles in your household. Then you can request stacking, which gives you coverage per person or per occurrence equal to the total number of vehicles on your policy. For example, if you have $100,000 per person and $300,000 per occurrence limits on each vehicle, and you have three vehicles on your policy, with stacking you are entitled to coverage in the amount of $300,000 per person and $900,000 per occurrence. Recommended coverage: stacking
While choosing an insurance carrier other than the one that insures your cars may save you some money, doing so will usually eliminate any possibility of using the uninsured and underinsured motorist coverage on your automobile policy to give you additional protection. If at all possible, keep your motorcycle on the same policy as the other cars in your household.
Keep in mind that medical benefits may be limited or unavailable on your motorcycle insurance policy, so it’s critical that you have other medical insurance. If you don’t and you’re in an accident, your medical bills will add up quickly.
You can make updates to your policy at any time, so review your options now.
Injured in a Motorcycle Accident? Get a Free Legal Evaluation
If you were injured in a motorcycle accident, don’t trust that the other person’s insurance company will offer you a fair settlement. They will try to offer you as little as possible, which is why you should contact our Pennsylvania lawyers at Edgar Snyder & Associates. We’re on your side, and we’re ready to put over 30 years of experience to work for you to help get you the compensation you deserve.
Call 1-866-9-4EDGAR (1-866-943-3427), or fill out the form at the top right of this webpage for a free legal evaluation of your motorcycle accident claim. You’re not obligated to use our services, and it’s absolutely free. Our phones answer 24/7, so contact us today to learn your legal options and protect your rights.
Learn more about motorcycle accidents with our motorcycle articles and advice resources.