If you drive a motorcycle, you are certainly aware of the unique opportunity a bike provides you to save money at the gas pump. One place you do not want to save money, however, is on your insurance policy. While it can be tempting to opt for state minimum motorcycle coverage, it is important to consider all possible scenarios before opting for inadequate coverage. Operating a motorcycle is an inherently dangerous activity. Accordingly, you should be sure to purchase the best insurance available to protect you and your loved ones from in the event of an accident.
While the State of Pennsylvania requires a motorcyclist to carry a minimum policy of $15,000 bodily injury, $30,000 each accident, and $5,000 property damage, there are many additional coverages available to make sure you have the best insurance available to protect you and your loved ones. Of these options, two stand out above all others: uninsured motorist (“UM”) and underinsured motorist (“UIM”) coverages.
Though they are both optional, UM and UIM coverages protect you and your family in the event that the at-fault driver does not have an insurance policy adequate enough to compensate you for your injuries. While these coverages are sure to add a few dollars to your monthly premiums, UM and UIM coverages are two parts of your motorcycle insurance policy on which you do not want to skimp. The few dollars you stand to save now will seem rather trivial if you are the victim of a motorcycle accident involving an uninsured or underinsured driver. Be sure to ask your insurance provider about adding these coverages to your motorcycle insurance policy today. Doing so will ensure that you have the best insurance in the event that you or a loved one is in an accident.
For more information on UM and UIM coverages, request a copy of my free book “The Good, the Bad, and the Law: A Guide to Motorcycle Accidents in Pennsylvania.” It contains many tips on selecting the best insurance for your motorcycle and provides further detail on UM and UIM coverages.
Stuart A. Carpey, who has been practicing as an attorney since 1987, focuses his practice on complex civil litigation which includes representing injured individuals in a vast array of personal injury cases.