Motorcycle Insurance Coverages

If you own and operate a motorcycle in Pennsylvania, you are required to purchase motorcycle insurance.  Motorcycle insurance is carried under a separate policy from regular automobile insurance, as Pennsylvania classifies each differently under the motor vehicle code. As a unique policy, motorcycle insurance has unique coverages and rates that you must know and understand in order to adequately protect yourself in case of an accident.

Just as is the case with passenger vehicles, the State of Pennsylvania requires all motorcycle operators to carry the following minimum liability coverages in order to legally drive a vehicle:

  • $15,000 of coverage for an injury or death to one person in a single accident.
  • $30,000 of coverage for injuries or deaths to more than one person in a single accident.
  • $5,000 of property damage insurance.

While owners of passenger vehicles are required to carry an additional $5,000 of personal injury insurance (“PIP”), this coverage is not required of motorcycle insurance policies.

 It is important to note that the figures represent only the minimum coverages required by law.  As they represent the minimum coverage required by law, these policies will carry the least expensive monthly premiums.

In addition, there are a number of liability options available which are higher than the standard liability limits mentioned above.  While such policies will cost more upfront, a motorcycle insurance policy with higher liabilities can pay major dividends in the event of an accident.

For more information on motorcycle insurance, request a copy of my free book, “The Good, the Bad, and the Law: A Guide to Motorcycle Accidents in Pennsylvania.”  It contains tips on selecting the right motorcycle insurance and advice for what to do if you have been in a motorcycle accident.