Motorcycling is inherently dangerous. The best way to protect yourself, your passengers, and other motorists on the road is to follow applicable laws, wear safety gear, and have motorcycle insurance. To that end, Pennsylvania, like many other states, requires that motorcyclists carry specialized insurance to the tune of $15,000/death or bodily injury to one person, $30,000/death or bodily injury to two or more persons, $5,000 for damage or destruction of property, and $5,000 for Personal Injury Protection. Keep in mind that these amounts are just the minimum requirements in Pennsylvania with many motorcyclists offering to increase their liability coverage due to the costs associated with being in an accident.
In addition to the state minimums, motorcyclists may also want to consider additional coverage to provide additional protection for themselves and their bikes. Examples of extra coverages include:
- Collision: Covers damage to your bike if it is in an accident with another vehicle or object.
- Uninsured/Underinsured Motorist: If you are in an accident with an uninsured motorist, having this coverage means that you won’t have to pay out of pocket for your healthcare costs or repairs to your bike.
- Comprehensive: Offers coverage for your bike because of incidents like theft, fire, vandalism, or natural disasters.
It is also important to note that Pennsylvania is a “no-fault” state, which means that the insurance companies of all those involved in the accident share the cost of damages and injuries equally. Consequently, you’ll want to make sure you have enough insurance to help cover yourself in an accident - regardless of fault.
At Peiffer Insurance in Pennsylvania, our insurance professionals are ready to assist you with any questions. Not only will we take the time to learn about your personal situation, but also, we’ll customize a policy that best meets your needs. Give us a call today and schedule a no-obligation consultation to learn about your options for motorcycle insurance.