In Pennsylvania, no motorcycle rider can be subject to the limited tort threshold. This means that if you are injured while riding your motorcycle, no restriction is placed on your ability to bring a claim for money damages that you can receive for pain and suffering. You will nonetheless be restricted in the amount you can claim dependent on the insurance coverage the at-fault defendant carried on his or her insurance policy, and whether you purchased uninsured and underinsured motorist coverage in sufficient amounts to protect you.
Uninsured motorist coverage and underinsured motorist coverage protects the rider in the event that they are injured by a person who doesn’t have enough – or any – insurance to cover the claim. Riders should always add medical expense coverage to their motorcycle policies as well.