Motorcycle Insurance

The risks associated with the ownership and operation of a motorcycle are very significant.  Without adequate insurance protection, an insured could suffer significant uninsured financial losses.  Let us help you design the proper plan of motorcycle insurance protection.

Motorcycle Insurance

Motorcycle insurance provides financial protection against physical damage losses - comprehensive or collision damages, legal liability obligations, medical expenses and injuries sustained by the insured from an "Uninsured/Underinsured" motorist resulting from the negligent use of a covered motorcycle.

Motorcycle Insurance Coverages

Indicated below are the common insurance coverages available with the purchase of motorcycle insurance protection.
  • Accessory Coverage - Covers loss, theft, or damage to motorcycle accessories like saddlebags, custom handlebars, and OEM electronics.
  • Comprehensive Physical Damage Coverage - Covers physical damage or loss of the motorcycle that is not the direct result of a moving vehicle collision.
  • Collision Coverage - Pays for damage to an insured motorcycle when it hits or is hit by another car or object, or if the motorcycle overturns. 
  • Legal liability - for bodily injury and/or property damage liability suffered by a 3rd party due to the negligence of the insured, while using their covered motorcycle.  A very important "Tort Option" - Limited or Full Tort - election must be made by the insured.
  • Medical Payments Coverage - Pays medical expenses for the injuries of the insured while riding on the motorcycle which is involved in an accident.
  • First Party Benefits or Personal Injury Protection PIP - insurance protection for the insured and residents of their household for medical expenses, loss of wages, accidental death or funeral benefit resulting from a motorcycle accident.
  • Uninsured/Underinsured Motorists Liability - for bodily injury to the insured, resulting from the negligence of a 3rd party and the 3rd party at the time of the accident does not have valid legal liability insurance protection or the 3rd party's legal liability limits for Bodily Injury Insurance protection is inadequate to cover your "non-economic or pain & suffering" financial losses resulting from the negligent use of the 3rd party's owned or leased mode of transportation.  This type of insurance protection will also provide a remedy if the insured is injured due to a "hit and run" motorist. The insured's Tort Option election must also be considered when the insured has purchased this type of insurance protection.  In essence, the insured's insurance carrier becomes the "substitute" for the "Uninsured/Underinsured" motorist.  As the owner/operator of the covered motorcycle with very minimal or limited personal protection for the insured operator and/or passenger, this area of the motorcycle insurance protection is a very important coverage consideration.
  • Motorcycle Roadside Assistance Coverage - Roadside assistance and breakdown coverage provides insurance protection for financial losses resulting from the motorcycle's mechanical failure and consequential "loss of use" expenses.

    Contact us to learn more about the right motorcycle insurance for you.
(215) 646-0550
550 Norristown Rd
PO Box 506
Spring House, PA 19477​
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