By Joshua Perry
As the spring season brings warmer weather, many people who own motorcycles are eager to take them out for a ride. With an increase in the number of motorcycles on the road, there is also an increase in the number of people injured while riding motorcycles. According to PennDOT’s 2022 Pennsylvania Crash Facts and Statistics, motorcycle collisions account for 2.9% of all motor vehicle accidents in Pennsylvania, and 19.5% of fatal motor vehicle collisions. This number becomes even more staggering when you consider the frequency with which people ride their motorcycles, especially since motorcycles are typically in storage for the winter months in Pennsylvania. If you are injured in a collision while riding a motorcycle, it is important to understand the implications of your insurance coverage on your ability to recover from your injuries.
Oftentimes, people have a separate policy of insurance maintained specifically for their motorcycle. This can present some issues with determining the amount of insurance coverage available to you, in the event you are injured while riding. If your auto insurance policy is separate from your motorcycle insurance policy, there may be exclusions contained within the auto policy preventing you from obtaining coverage through your auto insurance. It is important to obtain your full automobile and motorcycle insurance policies to understand the limitations of your insurance coverage.
Unfortunately, sometimes people under-insure their motorcycle because of the frequency with which they ride it. This may leave an injured individual looking beyond their motorcycle policy to help compensate for their injuries. To prevent this issue, consider the severity of injuries that could result while occupying a motorcycle—not the frequency with which a collision could occur—when selecting motorcycle insurance. People injured in a motorcycle collision are typically more severely injured than individuals traveling in a car or truck.
If you are involved in a motorcycle accident, it is important to understand what insurance coverage may be available. Give O’Donnell Law Offices a call. We can help you navigate the process of determining what insurance coverage and other avenues of recovery may be available for your claim.
Source:
https://www.penndot.pa.gov/TravelInPA/Safety/Documents/2022_CFB_linked.pdf