Going out and looking for an affordable bike insurance policy can be somewhat time consuming, but worth your time if you are able to find a good insurer. If you live in Pennsylvania and use your motorcycle for transportation, there are some things that you should be aware of including the PA motorcycle insurance requirements. Like any state in the U.S., Pennsylvania has a unique set of driving rules that you must abide by if you want to legally operate a motor vehicle of any kind on their roadways. Although I have already discussed how to buy insurance for your motorcycle, there are certain coverage options that you will want to consider if you live in the state of Pennsylvania.
Pennsylvania Tort Insurance Options for Motorcyclists
If you purchased car insurance in Pennsylvania, then you probably are aware of limited and full tort classifications. When you get “half tort coverage” on your car insurance, you are essentially getting a lower price, but signing away your legal rights in the event of an accident. If you get “full tort coverage” you will have access to take full legal action if needed in car accidents. The concept of adding tort coverage is highly debatable. Anyways, if you are a motorcyclist in PA, you do not get any tort options. If you buy insurance, you will be able to collect money for pain and suffering based on your coverage.
Medical Expenses Insurance Coverage
If you are injured in an accident in Pennsylvania, you will want to make sure that any medical bills are going to be picked up by your insurance. Most Pennsylvania motorcycle insurance companies will allow you to purchase coverage for all medical expenses in an accident. Where companies and policies differ is the amount of medical coverage that you will be able to get. Some people buy the maximum amount of coverage because they know that riding a motorcycle is fairly risky and an accident could rack up a large hospital bill. Other people end up buying the bare minimum amount of coverage, but may regret it if they get seriously injured and have to pay out of their own pocket for a lot of their medical bills.
Motorcycle Insurance PA: Bodily Injury Liability Coverage
When looking to get motorcycle insurance in PA, you will see that the minimum amount of coverage for bodily injury in this state is $15000. This bodily injury coverage will not cover any injuries that you personally experience, it is only for third parties (e.g. if you are at fault in an accident and hit someone); it covers claims filed against you. It is a good idea to make sure that you get a fair amount of bodily injury liability coverage; more than the minimum is certainly advised. Many motorcyclists that use their bikes as their primary method of transportation end up buying $100000 worth of motorcycle liability coverage.
Uninsured and Underinsured Motorist Coverage
It is smart to buy both uninsured and underinsured motorist protection on your insurance policy. The reason that it is a good idea to buy both is so that if you are hit by a driver that doesn’t have adequate insurance or cannot pay you enough money for the damages that they caused, you will be able to collect enough money anyways from your own insurer. The bare minimum once again for both uninsured and underinsured is $15000. Although the minimal amount is great for saving money in the present moment, it is recommended to get at least $100000 in coverage for these as well. All it takes is one accident and a motorist that doesn’t have good insurance and you end up at a significant loss because of it.
Adding Motorcycles to Your PA Car Insurance Policy
As a Pennsylvania resident, it is smart to add motorcycle insurance to the same company that insures your cars. Of course it would be easy to go with a motorbike insurance specialist like Ryder bike insurance, but you will likely get a better deal and better uninsured/underinsured coverage if you go through your existing car insurer. Although there are many things to take into consideration when looking for your motorcycle insurance, you should always know your own needs and the amount of coverage that makes you feel comfortable as a motorcyclist in PA.