Motorcycle Insurance
Riding a motorcycle can be exhilarating, but it can also be risky. With the right motorcycle insurance coverage, you can ensure that you and your bike are protected on the open road. Tobash Insurance Agencies can help you find coverage that's right for you.
Motorcycle Insurance Requirements in Pennsylvania
Pennsylvania requires insurance for all motorcycles driven on public roads. Motorcycle insurance is similar to insurance policies for other types of vehicles. At a minimum, drivers must carry the following:
- $15,000 of bodily injury coverage per person
- $30,000 of total bodily injury coverage per accident
- $5,000 in property damage coverage
While these limits meet state requirements, they may not be able to cover the cost of an accident fully. Without additional coverage, you could wind up with significant out-of-pocket costs.
Optional Motorcycle Insurance Coverage
Additional coverage can provide extra protection for both you and your motorcycle. Optional coverage worth considering may include:
- Collision: This coverage will cover damages to your motorcycle after a collision.
- Comprehensive: This covers damages caused by incidents other than collision, including weather damage and theft.
- Uninsured/under-insured motorist coverage: Even though Pennsylvania requires motorcycle insurance, not all riders meet these requirements. This coverage will protect you even if the other driver isn't adequately insured.
- Bodily injury: This coverage helps to cover costs related to injuries in an accident when you're at fault.
- Medical payment: This covers costs related to medical expenses, including the cost of prescription medication.
- Roadside assistance: If your motorcycle breaks down or gets flat while you're on the road, this coverage will cover towing costs.
- Carried contents: This provides coverage for belongings you carry while on your motorcycle, such as cell phones and other valuables.
Get the Protection You Need
Not only does Pennsylvania require motorcyclists to carry insurance, but insurance provides riders with essential protections. Tobash Insurance Agencies can help you find a motorcycle insurance policy that meets all your needs. Call us today to learn more or receive a free, no-obligation quote.
