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In Pennsylvania, there are different things to consider when you buy motorcycle insurance than there are when you buy regular auto coverage. The major difference is that for car insurance, Pennsylvania law requires minimum coverage of $5,000 in medical coverage benefits, also known as “no-fault” or PIP coverage.
As with motorcycle insurance, however, Pennsylvania law does not require medical coverage. In fact, many motorcycle insurers do not offer medical coverage in Pennsylvania.
Another major difference is that there is no “limited tort” with motorcycle insurance in PA. With auto insurance in PA, you must choose either limited or full tort. Absolute tort is more expensive but protects your rights to claim bodily injury/pain and suffering (with absolute tort there is no statute of limitations requirement for “serious injury”). With motorcycle coverage in PA, basically, all claims are absolute torture.
The other major difference in PA is that under Pennsylvania motor vehicle financial responsibility law, it is difficult for a health insurer to “substitute” or create a lien to be repaid from a car accident settlement or recovery. The health insurance plan should be of a certain type. With motorcycle claims, however, your health insurance is not subject to the same limits and thus has a better chance of being repaid from an insurance claim. There may be another reason for you to consider getting medical coverage when you buy motorcycle insurance in PA.
Another difference is that if you are injured in a car, you are able to “stack” or combine with any other separate home auto insurance coverage you may have. Say for example your brother lives with you and has a separate insurance policy – you may be able to get additional insurance coverage for a car accident under his policy. Often in Pennsylvania, when you are in a motorcycle accident, any house hold auto insurance will have an exclusion – that is no coverage – if you were the owner of a motorcycle. So, you would not be able to stack your motorcycle insurance with domestic auto insurance in that instance.
Consider this:
If you do not have any health insurance, you should look for a motorcycle insurer and policy that has medical coverage. This is because if you do not have medical insurance on your motorcycle, your health insurance covers it.
If you have any questions, you should make sure that your agent explains the coverage to you.
You should also make sure you have property damage insurance for the motorcycle. Keep all receipts for custom parts or accessories. If your motorcycle ever causes property damage, you’ll need receipts.
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