Motorcycle Insurance in Pennsylvania

A motorcycle can be an entertaining and exciting mode of transportation. While it can be an enjoyable vehicle to drive, it is also an expensive asset that needs to be adequately protected. For those that are in the West Chester, PA area, having proper motorcycle insurance coverage is very important. Several factors need to be considered when choosing your new policy.

Legal Requirements

The State of Pennsylvania has minimum insurance coverage requirements that are necessary to operate a motorcycle. Operators of motorcycles in the state are required to have minimum liability coverage amounts of $15,000 of bodily injury coverage per person and $30,000 per accident. Operators will also have to have minimum property damage policies of $5,000. While these are the minimum levels, most agents would recommend having liability policies set at much higher levels.

Other Insurance Requirements

While the state only requires liability insurance, most banks with a lien on a motorcycle will require you to have additional types of insurance as well. In most situations, you will be required to have collision and comprehensive coverage on your motorcycle. Collision coverage will provide you with protection if your motorcycle is damaged in an accident in which you were at fault. Comprehensive coverage will provide you with coverage for a variety of other situations including theft, weather damage, vandalism, or an accident with an animal.

If you are in the West Chester, PA area and have a motorcycle, it would be a smart idea to reach out to Keystone State Insurance. Our agency is a leading provider of motorcycle and other auto insurance to consumers in Pennsylvania and Delaware. When speaking with our agents, you will receive consultation on your insurance needs and can request an insurance quote for a new policy on your motorcycle. Call or visit our Keystone State Insurance office in West Chester, PA for more information.

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