What Is The Right Amount Of PA Motorcycle Insurance?
Posted Scott B. Cooper on Aug 07, 2013 in Motorcycle Accidents
Schmidt Kramer and the Insurance Information Institute (I.I.I.), recommend that you review your motorcycle insurance coverage. Even though it is midway through summer it is never too late to make any important changes to protect yourself and anyone who may be a passenger on your bike. If you have questions about your motorcycle insurance coverage contact us at Schmidt Kramer.
Motorcycle insurance coverage is usually a stand-alone policy but some companies will offer it as an endorsement to a personal automobile policy.
Pennsylvania requires motorcyclists to carry a minimum amount of liability insurance, which covers bodily injury (BI) and property damage (PD) costs you cause to other people involved in an accident. There is no medical coverage in Pennsylvania if you are injured while occupying a motorcycle.
In addition, uninsured/underinsured (UM/UIM) coverage is recommended, because UM/UIM covers your BI-related expenses, if they were caused by another driver who either does not have insurance, or whose insurance is inadequate.
Optional insurance coverage available to motorcycle owners include: 1) Collision—covers damage to your motorcycle resulting from a collision with another vehicle, object or as a result of flipping over; 2) Comprehensive—covers damage to your motorcycle caused by events other than a collision, such as fire, theft or vandalism; 3) Emergency road service—covers towing and roadside assistance costs; and 4) Accessories and customization—covers the repair or replacement of accessories, like helmets and safety jackets, and customized equipment that was added-on to the motorcycle after its purchase, such as exhaust pipes, saddles bags, and seats.
Factors affecting how much you will pay in motorcycle insurance premiums, including: Driver’s age and driving record Where the driver resides The motorcycle model, make, and horsepower Where the motorcycle is stored, and primarily driven
Motorcycle fatalities accounted for 14 percent of total U.S. highway deaths in 2010 despite motorcycle registrations accounting for only 3 percent of all vehicles on U.S. roadways, the National Highway Traffic Safety Administration (NHTSA) reported in a July 2012 Traffic Facts study. Therefore, it is important to have good coverage.
If you are injured in a motorcycle accident and you're looking for an Pennsylvania motorcycle accident attorney who knows how to handle a car accident injury, Central Pa. is home to the Pennsylvania personal injury lawyers at Schmidt Kramer. Our personal injury attorneys will handle your Pa. motorcycle accident case with the utmost of care and get you the compensation that you deserve.
Call today for a free consultation at (888) 476-0807.
Also, download our Firm Newsletters or any of our brochures including "Who Pays The Bills When You Are Injured In An Automobile Accident".