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Whether you are an experienced road warrior just moving to Pennsylvania, or just starting out with your first bike, there are some things that you need to know when purchasing motorcycle insurance in the Keystone state.
Pennsylvania motorcycle insurance does not include a full tort option; that is to say, cyclists who are insured in case of an accident are able to collect money for pain suffered.

In addition, you will be able to to purchase medical benefits, which means that your medical costs will be paid in case of a bad accident. Medical expense coverage is paid by the bearer and therefore it protects you. If you are in Pennsylvania, take a close look at your policy and review all the information carefully. In case the worst happens, you will want to be aware of what will be covered, and what expenses you will have to pay out of pocket

Separate from medical coverage, you also want to consider bodily injury liability, which is required by the state of Pennsylvania. This pays out to anybody injured in an accident at which you at fault, and the state minimum for bodily injury liability is $15,000.

If you are in Pennsylvania and have more than one vehicle or motorcycle, see if you can get everything covered under the same policy. Do request stacking, which means that for each vehicle you have insured under the same policy, you can add the coverage together. If this is a concept that you would like to hear more about, you should speak to your insurance agent to see what can be done for your home vehicles.

As a motorcycle owner, you must also be aware of the fact that if you reject underinsured or uninsured coverage on your motorcycle policy, you will not be allowed to collect such coverage from you car's insurance policy even if you have paid for it.

In Pennsylvania, you can commonly find income loss benefits, underinsured motorists coverage, funeral benefits, and stacking of limits for underinsured motorist coverage. All these things are important to keep in mind while buying motorcycle insurance in Pennsylvania.