There are many things you should consider when purchasing motorcycle insurance in Pennsylvania. Pennsylvania Law requires minimum coverage of $5,000 in medical coverage benefits for car insurance. This is also known as “no-fault” coverage or PIP coverage.
Pennsylvania law doesn’t require motorcycle insurance to provide medical coverage. Many motorcycle insurance companies don’t offer Pennsylvania medical coverage.
Another difference is that motorcycle insurance in PA does not include a “limited tort”. This means you can only choose from either full tort or limited tort. Full tort is more costly but it protects your rights to file a claim for bodily injury/painful suffering (there is no threshold requirement for a “serious injuries” with full tort). All claims are covered by full tort in Pennsylvania for motorcycle coverage.
A major difference in PA is that the Pennsylvania Motor Vehicle Financial Responsibility Law makes it harder for health insurers to “subrogate” or place a lien to be repaid from a car accident settlement. The type of insurance must be a particular one. However, motorcycle claims are not subject to the same restrictions so your health insurance has a better chance of being repaid. You might want to think about getting medical coverage when buying motorcycle insurance in PA.
Another difference is that you may be able to combine or “stack” any separate household auto insurance coverage if you are hurt in a vehicle accident. If your brother has an insurance policy, you may be able to get additional coverage for a car accident. In Pennsylvania, if you are in an accident with a motorcycle, any auto insurance that covers your home will be exempted. This means you won’t have coverage if you were riding a motorbike. In this instance, you cannot combine your motorcycle and household auto insurance.
You should consider a policy that includes medical coverage if you don’t have health insurance. This is because, if your motorcycle doesn’t have medical coverage, your health insurance will.
You should ask your agent questions about the coverages.
Also, ensure that your motorcycle is insured against property damage. Keep all receipts for custom accessories and parts. The receipts will be required if you have any property damage to your bike.