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Motorcycle Insurance

Motorcycle Insurance

In the state of Pennsylvania, you must have the minimum liability insurance required in order to drive your motorcycle on the state roadways and highways.

What is Considered a Motorcycle in Pennsylvania?

In this state, a motorcycle is two-wheeled vehicles with a seat or saddle for the driver and no more than three wheels that come in contact with the ground. A moped with operable pedals and a motor with 1.5 or less horsepower in a size of 50 cubic centimeters or less, containing an automatic transmission and not traveling more than 25 miles an hour, is considered a motorcycle. In addition, an electric motor-driven cycle with an electric battery is regarded as a motorcycle as well as a motor scooter with a five-horsepower engine or less for insurance purposes.

What is the Minimum Liability for Motorcycle Insurance?

The minimum liability insurance that you must maintain is expressed as a 15/30/5 policy. This means that you need a minimum of $15,000 bodily injury liability for one person per one accident, $30,000 bodily injury liability for more than one person per accident, and $5,000 of property damage insurance for one accident.

What are Other Types of Motorcycle Insurance?

The minimum liability insurance only pays out to others that have received damage by you when you are riding your motorcycle. You can add coverage for yourself with Bush Insurance, just as you do for your auto insurance. You can add comprehensive, collision, bodily injury, and medical payments for your own losses in an accident. You may also add accessory coverage, roadside assistance uninsured, and underinsured motorist coverage to protect your assets fully. Generally, a motorcycle accident causes much more damage to your bike than to a car, and you will likely sustain many more injuries that are very serious as well.

We can help you to decide the proper level of motorcycle insurance that you need at Bush Insurance. You can call or drop in the office for more information on the motorcycle insurance that you desire.