What kinds of insurance coverage do motorcyclists need in Pennsylvania?

insuranceMotorcycle accidents can have serious physical and financial consequences for everyone involved, especially motorcyclists, who tend to suffer the brunt of the injuries in these types of collisions.

Pennsylvania requires motorcyclists who ride on public roads to carry the following minimum liability coverage amounts:

 

  • $15,000 for the bodily injury or death of one person in an accident
  • $30,000 for the bodily injury or death of more than one person in an accident
  • $5,000 in property damage liability coverage

Failure to meet the state's minimum motorcycle insurance coverage requirements can lead to stiff penalties, including:

  • Minimum $300 fine
  • Three month suspension of the motorcyclist's license
  • Three month suspension of the motorcycle's registration, which prohibits anyone to ride the machine

Motorcyclists who have their license or registration suspended may also be required to pay a restoration fee to have those privileges restored.

While carrying the mandated minimum liability insurance puts motorcyclists in compliance with Pennsylvania's insurance laws, it doesn't protect them from losses they could incur in an accident. For more complete protection, bikers can turn to options such as comprehensive coverage, or policies that include uninsured/underinsured motorist coverage.

Some Pennsylvania insurance providers may even offer discounts for motorcyclists who've completed certain safety courses, or who have safe driving records or bikes with factory installed anti-lock braking systems. They may also be able to get a better deal by buying multiple insurance policies—such as car, motorcycle, and homeowners insurance—from the same provider.

Consult an Experienced Motorcycle Accident Lawyer

Motorcycle accidents can be both physically and financially devastating. If you were injured in a motorcycle crash caused by someone else's negligence, it's important to consult an attorney, as you may be entitled to compensation for medical expenses, lost wages, and other damages.

Contact the Accident and Injury Law Group today to schedule an appointment for a free initial consultation to discuss your rights.