There are nearly 900,000 registered motorcyclists in Pennsylvania. With that many motorcyclists on the road, accidents are going to happen. But many motorcyclists find out too late they are underinsured. Are you an underinsured motorcyclist?
Learn more about motorcycle accidents, insurance coverage, and what you can do to protect yourself in Pennsylvania.
Motorcycle Accidents In Pennsylvania
According to PennDOT, in 2020 there were 3,398 motorcycle accidents in Pennsylvania alone. Of these 3,398 accidents, 215 resulted in death. 93.4% of accidents result in some kind of injury. Even if an accident is not fatal, it can cause serious and traumatic injury. If you own and operate a motorcycle, this information is important to you.
Of course, it is important to be safe and responsible while riding your motorcycle. However, accidents are not always your fault. Think about state minimum insurance coverage in Pennsylvania. If another driver causes a crash, do you trust them to have enough insurance coverage for your injuries?
Motorcycle Accidents And Insurance
All Pennsylvania motorcycle insurance policies are full tort. Full tort coverage allows injured people to seek compensation for pain and suffering on top of medical expenses. While motor vehicle owners in Pennsylvania have the choice, motorcyclists are always considered full tort in Pennsylvania.
Motorcycle Full Tort Coverage
Though motorcyclists are considered full tort in Pennsylvania, the at-fault driver’s insurance may not cover the full amount of compensation deserved. Many drivers only have the state minimum coverage of $15,000. That is rarely enough to cover injuries from a motorcycle accident. Motorcycle accident injuries can be quite severe and require a lot of treatment, including long-term care and therapy. So, what happens when the at-fault party’s insurance is not enough?
How Underinsured Coverage Works
Underinsured motorist coverage protects you financially from underinsured at-fault drivers. When the person that causes an accident does not have enough coverage available for your claim, your own underinsured motorist coverage is important. Though Pennsylvania does not require you to have underinsured motorist coverage, it is highly recommended.
Recommended For Motorcyclists
Underinsured coverage is especially recommended for motorcyclists. A motorcycle offers no protection in a crash. This lack of protection usually means higher medical expenses in the event of a crash, even a minor accident.
Free Motorcycle Insurance Policy Review
Insurance coverage can be confusing. Are you sure you have good coverage for you? If you have a copy of your motorcycle insurance policy we would be happy to review it with you for free. We can help you make the most of your motorcycle insurance coverage. Contact us to set up a free policy review.
Find Motorcycle Injury Lawyer Today
If you or a loved one are injured in a motorcycle accident, you need an experienced lawyer on your side. At Haggerty & Silverman we will work hard to get you the money you deserve. Contact us today for a free legal consultation with an injury lawyer.