Pennsylvania has some of the best riding routes on the East Coast. From the sweeping curves of Route 6 to the rolling hills of Lancaster County, there is no shortage of reasons to get out on two wheels this summer. But before you head out, it is worth making sure your motorcycle insurance policy is solid. Here is a complete breakdown of what PA riders need, what the law requires, and how to protect yourself on the road.
What Does Pennsylvania Law Require?
Pennsylvania requires all motorcycle riders to carry minimum liability insurance. The state minimums are $15,000 for bodily injury or death of one person, $30,000 for bodily injury or death of two or more people, and $5,000 for property damage. These minimums are a starting point, not a finish line. Medical bills from a serious accident can easily exceed these limits, leaving you personally responsible for the difference.
Types of Motorcycle Insurance Coverage
A full motorcycle policy typically includes several types of coverage. Understanding each one helps you decide what level of protection makes sense for your situation.
Liability Coverage
This covers damage or injuries you cause to others in an accident. It is the only type of coverage required by law in Pennsylvania, but relying solely on the state minimum can leave you dangerously exposed in a serious incident.
Collision Coverage
This pays for repairs to your motorcycle after an accident, regardless of fault. If your bike is newer or has significant value, this coverage is well worth the added premium.
Comprehensive Coverage
Comprehensive covers theft, vandalism, fire, and weather-related damage. If your motorcycle is stored outdoors or in an area with higher theft risk, this coverage is particularly important.
Uninsured and Underinsured Motorist Coverage
This protects you if you are hit by a driver who has no insurance or does not have enough to cover your costs. Given how exposed riders are compared to car drivers, this type of coverage can be critical in a serious crash.
Medical Payments Coverage
Helps cover your medical bills after an accident regardless of fault. Riders are at higher risk of injury in a collision, which makes this coverage especially valuable.
Accessory and Custom Parts Coverage
If you have invested in upgraded handlebars, custom paint, saddlebags, or aftermarket accessories, standard coverage may not include them. Accessory coverage fills that gap and protects the full value of your bike as customized.
What Factors Affect Your Motorcycle Insurance Rate?
Insurers consider several things when calculating your motorcycle premium: your age and riding experience, the make and model of your bike, how many miles you ride per year, where you store the motorcycle, and your driving record all play a role. Completing a Motorcycle Safety Foundation course can also earn you a discount with many carriers.
Do You Need Coverage Year-Round?
Pennsylvania riders often ask whether they need to maintain coverage in the winter when the bike is parked. The honest answer is yes, at a minimum. Even if you are not riding, you should keep comprehensive coverage active to protect against theft or damage while the motorcycle is in storage. You may be able to lower other portions of your coverage during the off-season, but dropping it entirely is risky and can also result in a coverage gap that affects your rates when you resume.
Common Mistakes Riders Make with Insurance
One of the most frequent mistakes is carrying only the state minimum liability coverage. Another is assuming that gear, helmets, and accessories are automatically included in a standard policy. Riders also sometimes forget to update their policy after modifying the bike. Any significant change to your motorcycle should prompt a conversation with your agent.
Ready to Get Covered?
Whether you are a new rider or a seasoned one, Gilmartin Insurance Agency can help you find the right motorcycle insurance policy for your needs and budget. Riding season in Pennsylvania is short, so contact us today to make sure you are covered before your next trip out.
