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Pennsylvania Motorcycle Insurance
It is a well-known fact that any driver on the road must have their vehicle insured. In nearly every state in the U.S. driving an uninsured vehicle on the road is a crime that will often lead to loss of a drivers license and even heavy fines. One state that enforces these laws is the great state of Pennsylvania.
Pennsylvania requires all drivers to purchase and maintain some form of Pennsylvania motorcycle insurance with a set minimum. However, what many people may not know is that these same laws also apply to anyone driving a motorcycle on the road.
Pennsylvania Motorcycle Insurance Laws:
The answer to this commonly asked question is simple: Absolutely. Motorcycles are considered to be the equal of cars and trucks in the state of Pennsylvania. This means, bikers must have a drivers license and registration to drive their bikes and must maintain at least minimum Pennsylvania motorcycle insurance coverage. In fact, it is against the law to be on the road without Pennsylvania motorcycle insurance. This is a law that can be enforced by police within the state.
Why Does Pennsylvania State Law Require Motorcycle Insurance?
At its core, Pennsylvania motorcycle insurance is designed and enforced to protect not only the driver but also others on the road with them. According to state law drivers must, at a minimum, maintain liability and property damage coverages:
- $15,000/$30,000 in Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.
- $5000 in Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this Pennsylvania motorcycle insurance coverage pays for it. The minimum limit is $5,000 of coverage.
This Pennsylvania motorcycle insurance will cover damage done to another driver or their vehicle if the policy holder has an accident with them. This type of policy will not replace or repair the policy holder’s vehicle, just the vehicle of the driver they hit. This way, if a driver is in an accident that was not their fault, the other driver’s insurance will pay to replace or repair their vehicle. If the driver did not have insurance, they would be on the hook to pay out of pocket for these damages. This tends to be expensive and usually beyond what the average driver can afford out of pocket at any given time.
Because of work and errands, most people cannot go long periods of time without a functioning vehicle. By simply maintaining their insurance, drivers can confident that in the case of an accident (no matter who is found to be at fault) there is someone that will be there to help them.
How Expensive is Pennsylvania Motorcycle Insurance?
The cost of any given insurance policy is determined by exactly what their plan covers. Some policies will cover everything from medical bills to towing and a new paint job, while other will only pay to replace the other driver’s vehicle. The more inclusive the policy, the higher the cost of the premiums.
However, there are other things that effect the cost of insurance. Whenever an insurance company considers a new client, they have to decide how much of a risk that driver is on the road. For example, a driver that has never received a ticket will likely have a lower cost than someone who has been pulled over multiple times for speeding. The speeder is far more likely to get into an accident than the driver that goes the speed limit. The same is true for those who have multiple accidents on their record. Drivers who have proven to be safe are simply less of a risk to insure.
Pennsylvania Motorcycle Insurance
Ultimately, the best way to ensure the lowest possible insurance cost is to be a safe and consistent driver. In fact, many insurers even offer special reward programs for drivers who go for long periods of time without having an accident or getting a reckless ticket. Even more, some even offer forgiveness programs that allow drivers with less than clean driving records to work off their past mistakes and steadily lower their premiums and costs until they are on par with proven safe drivers.
So in conclusion, Pennsylvania motorcycle insurance is a very important part of being a responsible cyclist. By being an insured driver, policy holders can know that no matter what kind of accident occurs or who is to blame for it, they will not be taking the brunt of the financial responsibility alone.
There are many factors to consider while shopping for Pennsylvania motorbike insurance. Our agents will be happy to go over all of your options and recommend the best motorcycle insurance policy for your needs and budget. PA bikers should give us a call today at (800) 821-2436, or fill out the form on this page for a free, no obligation PA auto insurance quote.