As a motorcycle owner, you may wonder whether liability coverage is enough or if you need full coverage motorcycle insurance. In this blog, Gerhart, Hartman & Ritner, Ltd. explains each option to help you make an informed choice. 
What Is Liability Coverage?
Pennsylvania law requires motorcycle riders to carry minimum amounts of liability coverage. If you’re at fault in an accident, this may help pay for other parties’ injuries or property damage. It does not cover damage to your own bike or your medical expenses. Riders with older motorcycles or who want to keep their insurance costs lower may think liability coverage is sufficient. However, having just this coverage means you’re responsible for your own repair bills after an accident.
What Does Full Coverage Motorcycle Insurance Include?
Full coverage motorcycle insurance typically combines liability, collision and comprehensive coverage. In addition to meeting state requirements, full coverage can help pay for repairs to your motorcycle after an accident, theft, vandalism or severe weather-related damage. It may also cover your liability in accidents involving third parties. This option can be valuable for riders with newer or more valuable bikes, or those who want greater financial security.
Which Policy Is Right for You?
When deciding between liability and full coverage, consider the following:
- The age and value of your motorcycle
- Your riding habits and how often you’re on the road
- Your budget and how much risk you’re comfortable taking
- Whether you have a loan or lease that requires full coverage
Our team is here to help you weigh these factors and find a Pennsylvania motorcycle insurance policy that meets your needs.
Learn More
If you’re unsure which policy is best for you, reach out to Gerhart, Hartman & Ritner, Ltd. for personalized advice. We’re committed to helping you make informed decisions about your motorcycle insurance. Contact us today to get started.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.