Even if it were not mandatory under Pennsylvania law, you would still want to take out Pennsylvania motorcycle insurance in order to protect yourself. It was estimated that motorcycle riders are 37 times more likely to die in an accident than passenger car riders per vehicle mile travelled. 2008 national statistics show that 5,290 motorcycle riders were killed and 96,000 were injured. Motorcycle riders also made up 14% of total traffic facilities and 17% of total occupant facilities.
As with Pa. auto insurance, motorcycle insurance follows the 15/30/5 rule, meaning you are required to have a minimum $15,000 liability coverage per individual up to a total of $30,000 per incident, as well as at least $5,000 in property damage liability insurance. Unlike car insurance, however, you are not given the option to select between limited and full tort options. When you choose limited tort options you give up your right to sue for pain and suffering damages resulting from the accident in exchange for lower premiums (as much as 15% less), although you can still sue for medical expenses. This means that all your rights to file a suit against a driver who is at fault in an accident are preserved.
Under your motorcycle insurance policy, you are also entitled to medical benefits coverage. This form of coverage shoulders claims on all reasonable medical and funeral expenses even if you are at fault. Members of your family are also covered whether they are injured by a vehicle while walking or while on another motorcycle.
Given the risky nature of motorcycle riding, it is also recommended that you take out uninsured and underinsured motorist coverage. These types of coverage will pay for your medical expenses if you are injured in an accident caused by a person who is either uninsured or who is covered by whose insurance is not enough to pay for your bills.
If you are looking for an affordable Pa. auto insurance quote, there are a number of steps you can take. One is to have and maintain a safe driving record. Many providers offer discounts to drivers who have not been involved in an accident for a certain number of years. You should also make sure to follow all relevant Pennsylvania motorcycle laws to get a lower Pa. auto insurance rate, including wearing a safety helmet when riding your bike, having your headlights on day and night while riding and taking an accredited motorcycle driver safety course.
Another way to get a cheaper Pennsylvania auto insurance rate for your motorcycle coverage is to insure it on the same policy as your cars. This will also allow you to 'stack' coverage, meaning you can add the separate coverage together for every vehicle covered.
When you are shopping around for a Pennsylvania car insurance quote, get quotes from at least three to five providers so you can compare them to get the kind of coverage you need. You can also log on to online auto insurance broker sites that allow you to compare Pennsylvania auto insurance quotes from multiple providers and buy policies from one place when you find the coverage that is suitable for you.
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