Do Motorcycle Owners Require PA Motorcycle Insurance Coverage?
The State of Pennsylvania requires all motorcyclists to carry minimum liability coverage. The minimum requirements in Pennsylvania for $15,000 for bodily injury are $15,000, $30,000 for every accident, and $5,000 for property damage.
You may consult a Motorcycle Accident lawyer who can suggest to you how to proceed with the claim process if the victim is facing issues regarding your accident case.
What are the minimum PA Motorcycle Insurance Requirements?
It may be difficult to select the right coverage and keep it budget-friendly at the same time. However, the insurance coverage you choose must serve all your purposes. It may help you cover all costs if you end up in an accident. Choosing the right coverage can make all the difference for your accident case.
| Options | Minimum Requirement | Minimum Recommended |
|---|---|---|
| Bodily Injury Liability | $15,000 per person $30,000 for more than one person |
$100,000 per person $300,000 per occurrence |
| Property Damage Liability | $5,000 | $25,000 |
| Underinsured Motorist Coverage | No Requirement | $100,000 per person $300,000 per occurrence |
| Uninsured Motorist Coverage | No Requirement | $100,000 per person $300,000 per occurrence |
| Stacking of Limits for Underinsured/Uninsured | No Requirement | $100,000 x number of vehicles in the household |
| Motorist Coverage | (Stacking maximizes your family’s protection) |
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage is ideal for motorcycle riders. These policies are useful in the long run and can save riders a lot of money.
Many drivers in Pennsylvania do not have insurance. This causes trouble and increases risk when it comes to dealing with medical expenses after a severe accident.
Many drivers think that by choosing minimum policy coverage, they will save money. However, in the incident of a collision, this can result in a financial crisis. With uninsured and underinsured motorist coverage, motorists can save money.
Underinsured and uninsured coverage protects against motorists who have less-than-adequate or no insurance. This type of insurance can cover medical treatment bills, rehab costs, and bike repairs in case of a crash.
Different ways to lower your motorcycle premium
Even though PA motorcycle insurance is a necessity, no one wants to pay extra. Several factors can help you lower your motorcycle premium. Some of them include:
- Ride safely: You must always follow all rules and regulations when riding your motorcycle.
- Take a motorcycle safety course: This will not only help make you a better rider, it lowers the insurance costs.
- Do your research before buying a motorcycle: Choose a bike that has budget-friendly maintenance costs. Sports bikes, for instance, will cost more in insurance premiums than other bikes.
- Maximize your discounts: Always keep an eye on the discounts available on insurance premiums.
- Increase your deductibles: They will always be beneficial for lowering the overall cost of your insurance policies.
- Pay the complete amount: Do not opt to pay the amount in parts, as that will cost you more in the long run. If you can pay it in full, always try to do it that way.
You must consider all options before choosing motorcycle insurance in Pennsylvania. Along with this, you must be aware of the PA motorcycle insurance laws and how they can affect your coverage in different scenarios.
If you have been hurt in a motorcycle accident, schedule a free consultation.
Whether you are considering your options for motorcycle coverage insurance levels or you were in an accident, there is a way forward. Don’t hesitate to contact an experienced lawyer in these cases.