Most states require drivers to carry motorcycle insurance to legally operate a motorcycle. However, similar to auto insurance, there are different forms of coverage, and not all forms of coverage include everything. The state requirements for motorcycle insurance will vary according to where you live. Our team at H. Dean Allison Insurance understands that navigating motorcycle insurance can be a bit difficult for drivers. As a result, our team is dedicated to helping Altoona, PA drivers understand state requirements and what’s covered.
What kind of motorcycle insurance is legally required to drive in Pennsylvania?
All motorcycle owners must carry liability coverage to operate their motorcycles in the state of Pennsylvania. Liability coverage would have to meet the state’s minimum requirements. Liability coverage must include $15,000 per person for injury and death, as well as $30,000 for more than one injury or death. Also, drivers are required to carry $5,000 worth of property damage coverage. Drivers can carry more than the state minimum coverage levels if they need or want to. Drivers should understand that liability coverage doesn’t cover the drivers’ injuries, motorcycles, or property.
Will motorcycle insurance pay for the restoration of my motorcycle if it’s vandalized?
It depends. Similar to car insurance, liability insurance doesn’t cover the repair of your motorcycle, property, or any personal injuries you sustain. You’d have to purchase comprehensive coverage to pay for any damage your motorcycle incurred from theft, vandalism, and other forms of damage. Collision insurance will be needed to pay for any damage your motorcycle sustains from an accident, as well as your personal injuries. However, an insurance agent can answer any questions you may have regarding different kinds of insurance and what’s covered.
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Call us at H. Dean Allison Insurance in Altoona, PA. We’d be happy to help you explore your options.
