How is motorcycle accident insurance different from car insurance in Pennsylvania?

In Pennsylvania, when purchasing motorcycle insurance، there are different things to consider than when purchasing regular auto coverage. The main difference is that for car insurance, Pennsylvania law requires a minimum coverage of $5,100 in medical benefits، also called “no fault” or PIP coverage.

However, with motorcycle insurance، Pennsylvania law does not require medical coverage. In fact, many motorcycle insurers do not offer medical coverage in Pennsylvania.

Another big difference is that there is no “limited tort” with motor insurance in PA. With Auto Insurance in PA, you have to choose limited or full tort.

Full damage is more expensive but protects your rights to make a claim for bodily injury/pain and suffering “there is no requirement for a “serious injury” with full damage”. With motorcycle coverage in PA، essentially all claims are full tort.

The other big difference in PA is that under the Pennsylvania Motor Vehicle Financial Responsibility Law, it is more difficult for a health insurer to “substitute” or make a lien to be discharged from an auto accident settlement or recovery.

The health insurance plan must be of a certain type. However, with motorcycle claims, your health insurance is not subject to the same restrictions and thus has a better chance of being settled by an insurance claim.

This may be more of a reason for you to consider getting medical coverage when purchasing motorcycle insurance in PA.

Another difference is that if you are injured in a car, you are more likely to “bundle” or combine any other separate household auto insurance coverage. Say، for example، your brother lives with you and has a separate insurance policy you may be able to get additional car accident insurance coverage under his policy.

Often in Pennsylvania, when you are in a motorcycle accident, any auto home insurance will have an exclusion which is not coverage if you were the occupant of a motorcycle.

So you won’t be able to bundle, for example, combine your motorbike insurance with your household vehicle insurance in that case.


If you do not have health insurance, you should look for a motorcycle insurer and a policy that carries medical coverage. This is because if you don’t have medical coverage on your motorcycle, then your health insurance does.

If you have questions, you should make sure your agent explains the coverages to you.

You should also ensure that you have the motor insured against property damage. Keep all receipts for custom parts or accessories. If you ever have property damage to your motorcycle, you will need the receipts.

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