Just like car insurance, Pennsylvania requires anyone operating a motorcycle to have insurance coverage. Insurance protects you and your bike in the event of an accident. However, what does motorcycle insurance actually cover? Let’s dive into that.

What Does Motorcycle Insurance Cover? 

There is a state minimum for the majority of states when it comes to motorcycle insurance. The minimum for Pennslyvania includes: 

  • $15,000 Per Injury Per Person 
  • $30,000 Total Injury 
  • $5,000 Property Damage

This is the basic amount of coverage a person will have on their motorcycle. It’s important to note that getting extra coverage isn’t something to shy away from. No one can predict how bad a motorcycle accident will be. Fees resulting from an accident can add up quickly and surpass the coverage amount. For example, if property damage exceeds the $5,000 allotted amount, the driver of the bike is responsible for the difference. To further clarify, if property damage was $10,000 in total. The driver would have to pay $5,000 out of pocket. This can be a hefty expense for some people. Having additional coverage prevents issues like this from happening and saves you some major money. To see the minimums for Maryland, Missouri, Ohio, Texas, and Virginia click here. 

What Do Optional Policies Include? 

Having motorcycle insurance that covers more than just the basics is always a great idea. So, what do these extra policies look like? 

  • Under/Uninsured Motorist: This is protection in the event of a collision where your motorcycle hits someone who does not have enough insurance to cover the expense of any repairs or other costs associated with the accident. 
  • Collision and Comprehensive: This covers damages to your motorcycle regardless of fault. It does not matter who was at fault in the event of an accident, the motorcycle will be covered. Additionally, non-collision-related damage is factored into this. This includes events such as theft, hail, or vandalism. 

Do I Really Need Motorcycle Insurance? 

The answer is yes! It is required by most states that all motorist carriers the minimum when it comes to insurance. Failing to comply with the law can result in some serious consequences. Here’s what could happen to a motorist caught without coverage: 

  • Minimum fine of $300 
  • Three-month motorcycle registration suspension (nobody can ride that specific motorcycle during the suspension period.) 
  • Three-Month license suspension
  • A restoration fee for the registration 
  • $94 restoration fee for a general driver’s license 
  • $202 restoration fee for a commercial driver’s license 

Where Can I Find Motorcycle Insurance? 

Finding great coverage is not like finding a needle in a haystack. SteelKey Insurance LLC is here to help you find the best policy that fits your needs. We work alongside our clients and help them understand their policies. If you have any questions about motorcycle insurance, our team of seasoned professionals can ease all your worries. Call or come visit us today to secure your quote! 

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