3 Facts About Pennsylvania Motorcycyle Insurance Rates
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The absolute lowest Pennsylvania motorcycyle insurance limits are normally not a good investment for most bikers. State required minimum limits are too low to cover serious medical expenses. Bikes are not protected at all meaning their owners will have to pay for any repairs. People who understand the value of this necessary protection know 3 things for sure. These bikers need higher liability limits to be protected, the right insurance on the MCs and knowledgeable help to make the process easy.
Liability Limits
Limits for Pennsylvania motorcycle insurance are $5000 for medical, $5000 for property damage and $15,000 per person for an accident with a combined liability limit of $30,000. Because Pennsylvania is a no-fault accident state, the driver of the vehicle is responsible for paying the medical bills of injured parties.
These medical limits present problems to motorcyclists for two reasons. These payments include treatments by physicians, hospital stays, prescriptions, required equipment, rehabilitation costs and lost wages. Injuries from cycle accidents can be extremely severe and include broken bones, surgery, long rehabilitation periods and weeks or months of lost wages.
Likewise, when a heavy Harley smashes into a $28,000 minivan, a $5000 property damage limit will not cover the repairs. In fact, that $30,000 accident limit may not be enough protection. Liability limits should be high enough to protect the biker from any financial repercussions.
The Right Coverage
For many owners, it is even more important to insure this two wheeled freedom machine against damage and theft. Insurance policies can be written to cover any special equipment on the bike. Because motorcycles are easy to steal, thieves pray on expensive bikes especially Harley-Davidsons. Bikers get discounts if they have special safety features or antitheft devices. Motorcycles equipped with Lo-Jack are recovered over 90% of the time. Some policies pay for special riding accessories if they are damaged in an accident. These items include helmets, leather jackets, riding boots and gloves.
Getting Help
Knowledgeable insurance agents who represent many pa cycle insurance companies help bikers get the best policies at the cheapest rates. These experienced technicians know what discounts each company offers and if the operator qualifies for the discount. Inexperienced bike riders can gain valuable knowledge by taking special driving courses and reduce their insurance costs. In fact, these experts may recommend new bikers purchase smaller, older motorcycles to keep insurance costs lower until they get the training they need. Specialists explain what the policy covers and what the owner may want to add. Many policies include travel expense and roadside assistance; serious bikers who routinely take long road trips may need to upgrade these options. Pennsylvania motorcycle insurance may be issued for only eight or nine months as many of these freedom mobiles are not used during wintertime.
Experienced bikers take protecting themselves and their cycles seriously. When it is time to shop for Pennsylvania motorcycle insurance rates, these MC owners contact experienced agents for help. Insurance specialists shop insurance providers to find the lowest priced premium for the required coverage.
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May 15 2012



