In the state of Pennsylvania, motorcycles and their drivers are required to have insurance just like any other vehicle on the road. The State of Pennsylvania requires minimum coverage of $15,000 for bodily injury, $30,000 per accident, and $5,000 for property damage. This is a requirement to be on the road just as it is for cars and other vehicles. Drivers without insurance can be subject to fines and legal punishments.
Beyond the basic coverage required by law, there are other coverage options for Pennsylvania drivers.
Here is a rundown of these options.
Medical Coverage is a type of insurance that helps cover the cost of medical bills resulting from an accident. It’s important to remember that basic coverage only helps cover the medical expenses of other people injured during an accident. Additional coverage is needed to handle your own medical bills.
Collision insurance covers damage to your vehicle resulting from a crash. Unlike larger vehicles, motorcycles are prone to collision damage. Collision insurance is vital for protecting your motorcycle. In addition to helping pay for repairs, collision insurance plans can also help with other services like rental vehicles and towing.
Comprehensive insurance is the catch-all of motorcycle insurance. This handles most things that don’t fall under the previous two categories. Damages from fire, flooding, theft, or vandalism can be covered by comprehensive insurance. If you’re someone who stores their motorcycle during the off-season, comprehensive coverage is a great way to protect against the types of damages that are more likely during storage.
Our experts at Quaint Oak Insurance are here to help you find the best motorcycle insurance coverage options for you. Whether you’re just getting out on the road for the first time or you’re a seasoned biker looking to keep your vehicle in top condition. Stop in or call today to find out how we can help get you covered!
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