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Motorcycle Insurance

Like driving a car, if you drive a motorcycle on public roads in Pennsylvania you must have insurance.  Riders must be able to show proof of insurance when requested by a law enforcement official or they will be required to do so in court.  On top of requiring a minimum liability policy, Pennsylvania is a ”no fault” state. That means the insurance company of each party involved in an accident is going to pay for damages and injuries to that party. If you do not have coverage, you will have to pay for everything out-of-pocket. As if that is not enough, Pennsylvania requires that riders carry a personal injury policy on top of basic coverage and allow motorists to opt out of the no fault requirements in favor of ”at fault” insurance.

According to the Pennsylvania Administrative Code, the minimum motorcycle insurance requirements are as follows:

Typically included in the Policy

Death or bodily injury

Damage or destruction of property

Personal injury protection (PIP)

The minimum coverages in the Keystone State cannot adequately cover an accident. The caps are shockingly low if you are involved in a major accident that injures you and your passenger. Then there is your bike to consider. That is why you should always carry additional coverage. You may want to consider the following coverages:

  • Collision-this protection covers your bike in a collision with another vehicle or a stationary object.
  • Uninsured/under-insured motorist – With that many uninsured drivers you can understand why you need this coverage. As if worrying about uninsured drivers isn’t enough, you must also be aware of under-insured drivers. An uninsured/under-insured motorist policy protects you in either case.
  • Comprehensive – this protection covers non-collision mishaps such as “Acts of God”–fire, wind, storm, flood, etc–and criminal activity like theft or vandalism.
  • Bodily injury – this protection covers certain costs if you injure or kill someone in an at-fault accident. It also protects your passenger.
  • Medical payment – this covers items such as prescription drug payments; dental care; medical co-payments and deductibles from other health coverage policies; home nursing care, or funeral expenses. These expenses may or may not be covered under your PIP policy, so you will want to ask an insurance agent.

Let Alliances Insurance Agency help you find the right amount of coverage to suit your insurance needs.

Call us today at (610) 816-0043.


Standard Motorcycle Insurance policies include bodily injury and property damage liability insurance, which riders are required to have in most states. In addition, there is a long list of optional coverage’s, such as comprehensive and collision insurance that are available. Which Motorcycle Insurance coverage you should purchase will depend on your bike and its worth, whether you want coverage for your own injuries if involved in an accident, and how much protection you want for your possessions.

Full-coverage Motorcycle Insurance generally refers to a policy that includes both liability insurance as well as comprehensive and collision insurance for your motorcycle. Comprehensive and collision insurance are different from property liability insurance in that they cover your own damages if you’re involved in an accident or your bike is damaged. These policies are required but are typically worth the cost if your motorcycle is relatively new or would be expensive to repair.

Every Motorcycle Insurance policy limits the amount of money it will pay out to others for bodily injury and property damage, respectively. The limits are frequently shown with slashes between them, for example: $25,000/$50,000/$10,000. The first number is the claim limit, or maximum dollar amount, per injured person an insurance company will pay out after a crash. The second number is the claim limit per accident. The third number is the claim limit a policy will pay to another party for any property damaged by the policyholder or rider.


Motorcycle Insurance is similar to Car Insurance. A typical Motorcycle Insurance policy includes liability insurance, which pays for any damages you cause to others, but it can also include coverage for your own bike and injuries.

Mopeds, scooters, trikes, motorcycles with sidecars, and ATVs.

Most states require motorcycle owners to buy liability insurance. Liability coverage, which is almost always required, pays out for others’ injuries or damages if you cause an accident. Uninsured/underinsured coverage can include property damage, but with some insurers you might need to buy it separately.

Having Motorcycle Insurance is important to protect you from losing your house or life savings or both if you’re responsible for causing personal injuries or property damage. It can also cover your medical bills, theft, and damage from vandalism.