You can’t be a safe and responsible motorcycle owner without motorcycle insurance. This type of coverage isn’t just designed to protect you; it’s designed to protect others with whom you share the road. There’s no way to predict if or when a motorcycle accident will happen, so it’s crucial to be protected by a first-rate policy at all times. By planning for the worst, you’ll be able to enjoy time on your bike with a clear conscience.
What to Look for in PA Motorcycle Insurance
If you’ve never purchased Pennsylvania motorcycle insurance, you may be at a bit of a loss. The easiest way to go is to obtain coverage from the same company that provides your car insurance. In addition to being easier in general, doing so may allow you to stack your policies. Stacking insurance policies is advantageous because it expands your limits by a considerable degree. For instance, if you have a car insurance policy with limits of $100,000 per person and $300,000 per limit and obtain a motorcycle policy with the same limits, your actual limits will be $200,000 per person and $600,000 per incident.
As with most states, bodily injury liability coverage is required by law in Pennsylvania. This type of coverage covers claims that are filed against you if you’re determined to be at fault in an accident. At the very least, your bodily injury liability coverage should have limits of $100,000 per person and $300,000 per occurrence.
While it would be nice if everyone made sure to buy car and motorcycle insurance, that isn’t the case. We all have to share the road with uninsured and under-insured drivers. Fortunately, the right motorcycle insurance policy can protect you from them. Make sure the policy you buy has uninsured or under-insured motorist coverage. If you’re involved in an accident with an uninsured or under-insured driver and suffer injuries, this special coverage will help cover your medical costs. At the very least, get uninsured or under-insured motorist coverage with limits of $100,000 per person or $300,000 per occurrence.
Getting Help After a Motorcycle Accident in PA
The immediate aftermath of a motorcycle accident can be very disorienting. Make sure that you and the other drivers and passengers are okay. Get out of harm’s way by moving to the side of the road. Contact the police as quickly as possible.
Once the immediate danger is over, it’s in your best interests to contact a competent Pennsylvania motorcycle accident attorney. There are too many opportunities for things to slip through the cracks otherwise. Expecting the police or the insurance companies to protect your rights is a recipe for disaster. In the aftermath of an accident, there’s a lot at stake. You may face daunting medical bills and repair bills. Without the right legal representation, you could deal with the repercussions of a motorcycle accident for years. As soon as you are able, contact an experienced lawyer to ensure your rights are protected from the very beginning.
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