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