In Pennsylvania, when you buy motorcycle insurance, there are different things to consider than when buying regular auto coverage˳ The major difference is that for car insurance, Pennsylvania Law requires a minimum coverage of $5,000 in medical coverage benefits, also called “no-fault” or PIP coverage˳
With motorcycle insurance, though, Pennsylvania law does not require medical coverage˳ In fact, many motorcycle insurers don’t provide medical coverage in Pennsylvania˳
Another major difference is that there is no “limited tort” with motorcycle insurance in PA˳ With Auto Insurance in PA, you must choose either limited or full tort˳ Full tort is more expensive but protects your rights to make a bodily injury/pain and suffering claim (there is no threshold requirement of a “serious injury” with full tort)˳ With Motorcycle coverage in PA, basically, all claims are full tort˳
The other major difference in PA is that under the Pennsylvania Motor Vehicle Financial Responsibility Law, it is harder for a health insurer to “subrogate” or make a lien to be repaid out of a car accident settlement or recovery˳ The health insurance plan must be of a certain type˳ With motorcycle claims, though, your health insurance is not subject to the same limitations and thus has a better chance to be repaid from an insurance claim˳ That may be more of a reason for you to consider getting medical coverage when you buy motorcycle insurance in PA˳
Another difference is that if you are injured in a car, you are more likely able to “stack” or combine any other separate household auto insurance coverage˳ Say for example your brother lives with you and has a separate insurance policy – you might be able to get extra insurance coverage for a car accident under his policy˳ Often in Pennsylvania, when you are in a motorcycle accident, any house hold auto insurance will have an exclusion – that is no coverage- if you were an occupant of a motorcycle˳ So, you would not be able to stack, i˳e˳, combine, your motorcycle insurance with household auto insurance in that instance˳
CONSIDER THIS:
If you have no health insurance, you should look for a motorcycle insurer and policy which carries medical coverage˳ This is because if you have no medical coverage on your motorcycle, then your health insurance covers it˳
If you have questions, you should make sure you have your agent explain the coverages to you˳
You should also make sure you have the motorcycle insured for property damage˳ Keep all receipts for custom parts or accessories˳ If you ever have property damage to your motorcycle, you will need the receipts˳
Source by https://ezinearticles˳com/?How-Does-Motorcycle-Accident-Insurance-Differ-From-Auto-Insurance-in-Pennsylvania?&id=4879374
