The Secret Motorcycle Insurance Basics You Need to Know!

motorcycle insurance basics

Many Misconceptions of Motorcycle Insurance Basics

Many people who own and ride motorcycles think that by purchasing a motorcycle insurance policy their medical bills will be paid in the event they are in an accident. Unfortunately, that may not be the case. Motorcycle insurance coverage is very different in the details than auto insurance, and all cyclists should know these motorcycle insurance basics to make sure they are protected both physically and financially if they are in an accident.

Most Auto Insurance Does Not Cover Motorcycles

One of the most important motorcycle insurance basics many may not know is that your auto insurance most likely does not cover the riding of a motorcycle. If you ride a motorcycle, you will likely need to add a separate policy. Insurance companies tend to write their auto insurance policies as narrow as possible in order to pay their clients in the fewest possible scenarios.

Normal Motorcycle Insurance Not All-Inclusive

In Pennsylvania, insurance policies covering automobiles are required by law to provide at least $5,000.00 in medical coverage to pay for ambulance, hospital, and other medical treatment if you are injured in an automobile accident, regardless who is at fault.

However, no such requirements exist for policies covering motorcycles. Therefore, if you want this type of protection you need to specifically ask for it when you purchase your policy or if you already have a policy you should contact your insurance provider and ask for it to be added .

You can certainly ride without this extra motorcycle insurance coverage, but it exposes you to significant financial risk and large hospital bills if you get in a serious accident.

Other Important Motorcycle Insurance Basics You Need to Know

While your auto insurance will not cover your motorcycle activities, your automobile driving record is taken into account when your motorcycle insurance premiums are calculated. While you can take steps to reduce these rates through motorcycle safety courses and similar measures, staying safe in your car is the best way to keep your rates low.

Another one of the essential motorcycle insurance basics that you need to know is that the value of your motorcycle is also hugely influential in how costly your rate is. The more expensive your bike, the more expensive the insurance coverage will be.

If you are one of the over 800,000 licensed motorcyclists or own one of the 400,000 registered motorcycles in Pennsylvania, you cannot afford not to know these motorcycle insurance basics.

The lawyers at Joyce & Bittner have an advanced knowledge of motorcycle injury litigation that reaches far beyond the motorcycle insurance basics. If you have been in a motorcycle accident, call (412) 281-9919 for a free consultation.