Need Legal Help? Call 215.925.4451

Auto Insurance Coverage for Motorcycle Riders in Pennsylvania | PA Motorcycle Accident Lawyer

Phil Blackman-Pennsylvania New Jersey Personal Injury LawyerPublished on behalf of Philip Blackman, an experienced personal injury lawyer who has devoted his entire career to helping individuals and families who have been injured due to medical malpractice, car accidents, fall accidents and more. FREE Consultations: 215.925.4451

Under Pennsylvania law, motorcycle riders must obtain insurance for their motorcycles prior to riding them. There are different types of coverage. The three most important are:

1. Bodily injury coverage

This kind of coverage protects a rider from his or her own negligence. If a rider causes an accident and injury to another person, bodily injury coverage will protect the rider up to the amount purchased ($15,000 per person, $30,000 per accident are the state minimums in Pennsylvania). After the amount is exhausted, the rider’s personal assets may be at risk. Selecting higher coverage is advisable, depending on a rider’s financial situation.

2. UIM/UM coverage

Underinsured (UIM) and uninsured (UM) coverage protect a rider from other people’s negligence. If a driver hits a rider who has UIM/UM insurance, the rider can make UIM/UM claims against his or her insurance company for additional benefits. UIM/UM coverage is like extra insurance. Read more about UIM/UM insurance coverage for motorcycles in Pennsylvania here.

3. Property damage coverage

Pennsylvania law requires a minimum of $5,000 of property damage coverage for Pennsylvania cars and motorcycles alike. This kind of coverage works on a fault based basis, much like bodily injury coverage.

Medical benefits, also known as personal injury protection (PIP) benefits, are not available under motorcycle insurance policies issued in Pennsylvania. So, a rider who is injured in a motorcycle accident will need to use private health insurance to pay for medical bills. Learn more about making an insurance claim for medical benefits after a motorcycle accident in Pennsylvania.

Related articles:

Pennsylvania Motorcycle Accident Lawyer

Schwartz & Blackman has successfully handled many motorcycle accident cases and offers free consultations. 215.925.4451

*This website does not provide legal advice. Every case is unique and it is important to get a qualified, expert legal opinion prior to making any decisions about your case. See the full disclaimer at the bottom of this page.

Motorcycle Accident Law Library

Is Your Pennsylvania Car Accident Case Worth Pursuing?

Pursuing a car accident case in Pennsylvania depends on the factual and legal issues which vary from case to case. Most of the time, deciding whether to pursue a car accident case depends on the likelihood of a successful outcome. For some, a successful outcome may be...

Injury & Medical Treatment in PA Car, Motorcycle & Truck Accident Cases

Most personal injury/accident cases boil down to two issues: 1. strength of liability and 2. the nature and extent of the physical injuries. In many car, motorcycle and truck accident cases in Pennsylvania, fault will be clear. The other driver may have run a red...

Determining Value in Serious Car, Motorcycle or Truck Accident Cases in Pennsylvania

Determining value in a car, motorcycle or truck accident case does not happen overnight. It takes months to develop the facts of the case, especially the damages. When serious injuries result, medical treatment is often ongoing and determining whether an injury is...

PA Car & Motorcycle Accident Law -What is a Loss of Consortium Claim?

Under tort law in Pennsylvania, a spouse has a separate right to recover in an accident lawsuit such as a car or motorcycle accident case. Known as a "loss of consortium claim," this type of legal claim is based upon the harm to the relationship between the injured...

Texting and Drunk Driving – A Rising & Very Serious Problem

Over the past few years, texting and driving accidents have made major headlines all across the country. However, in the past year, we are seeing more and more cases of drunk drivers who text or otherwise use their phones. The risk of causing an accident when driving...



    *No attorney-client relationship is created by use of this email form. Do not email confidential or time-sensitive information. Call the firm for immediate assistance.


    Pennsylvania Office
    The Pavilion
    261 Old York Rd., Suite 504
    Jenkintown, PA 19046
    Tel: (215) 925-4451
    Fax: (215) 574-1200

    New Jersey Office
    1415 Route 70 East
    Cherry Hill, NJ 08034
    Tel: (856) 427-0614
    Fax: (856) 424-3690