How Much Motorcycle Insurance Do You Need in Pennsylvania?

When you purchase a motorcycle in Pennsylvania, it’s vital that you also obtain enough motorcycle insurance coverage to protect you in case you’re in an accident. Patrick McNealis Insurance and Financial Group in Emmaus, PA can help you select the correct amount of motorcycle insurance for your specific situation, after learning about your bike and your usual riding style.

  • Liability Insurance – Quite a lot of damage can occur during a collision, and liability insurance covers damage to anyone else’s vehicle, property, or physical health. This insurance will protect you if you’re sued, and it’s usually a good idea to carry as much liability insurance as you can afford. Your insurance agent will help you decide on the policy that’s right for you. 
  • Uninsured/Underinsured Insurance –  If you are involved in a collision, there’s no guarantee that the other party will be carrying enough insurance to pay your medical bills or repair any damage to your bike. This insurance will help cover you if you’re in a collision with someone who doesn’t have enough insurance. 
  • Collision Insurance – Collision insurance protects your motorcycle itself, and is often required by the company that holds the financing on the bike. 
  • Medical Insurance – This is additional insurance that you can purchase to cover medical bills for you and any passengers on your bike. It may supplement your medical insurance, or it may kick in after your medical insurance is exhausted, depending on the individual policies you carry. 

Once you’ve selected the best motorcycle for you, it’s important also to choose the correct amount of insurance coverage. Patrick McNealis Insurance and Financial Group can help you choose the right policies for you so that you can ride safely in Bethlehem or Emmaus, PA, and be protected in the unfortunate event that an accident occurs.