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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.

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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.

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