Motorcycle & ATV Coverages(Pennsylvania)
Liability
Provides coverage to the insured should the insured become legally responsible for damages to another party because of an auto accident. The agreement also provides for defense costs coverage in case the insured is sued by the injured party. These coverages are subject to certain exclusions that are listed on the policy, and to a limit of liability that is shown in the declarations.
Uninsured Motorist Coverage
This coverage is optional for the insured and offers compensatory damages payments to an insured who is injured through a motor vehicle accident with an uninsured motorist.
Other than compensatory damages, such as punitive damages are excluded, and are not covered by the policy.
A key element of the uninsured motorists coverage insuring agreement is that the operator or owner of the uninsured motor vehicle must be legally responsible to pay for the insured`s damages.
Underinsured Motorist Coverage
Promises compensatory damages because of bodily injury sustained by an insured and caused by an accident arising out of the ownership, maintenance, or use of an underinsured motor vehicle. It should be noted that the insurer pays only after the limits of liability under any applicable bodily injury bonds or policies have been exhausted by payment of judgments or settlements, or a tentative settlement has been made between an injured insured and the insurer of the underinsured motor vehicle.
Underinsured motor vehicles defined as "a land motor vehicle or trailer of any type to which a bodily injury liability bond or policy applies at the time of the accident buts its limit for bodily injury liability is less than the limit of liability for this coverage." This, in effect, allows an insured to recover, up to the limit of liability scheduled for underinsured motorists coverage, the difference between his or her actual damages for bodily injury and the amount of the liability insurance carried by the at-fault driver.
Pedestrian Medical Payments
Provides medical expense coverage for others injured by an accident involving your motorcycle or ATV.
The coverage is the same coverage for medical expenses under your automobile policy, however, this benefit does not cover the driver of the motorcycle.
Benefit limit is typically $ 5,000 per person.
Medical Payments (for the riders)
Provides medical expense coverage for riders injured in a motorcycle accident.
The limits available (depending on the insurance company):
- $ 500 per Person
- $ 1,000 per Person
- $ 2,000 per Person
- $ 2,500 per Person
- $ 5,000 per Person
- $ 10,000 per Person
There is usually a $ 50 deductible attached to this coverage, however, some companies waive the deductible if at the time of the accident, you were wearing an approved motorcycle helmet.
Comprehensive / Other than Collision
Loss caused by the following...
- Missiles or falling objects
- Fire
- Theft or larceny
- Explosion or earthquake
- Windstorm
- Hail, water, or flood
- Malicious mischief or vandalism
- Riot or civil commotion
- Contact with bird or animal or
- Breakage of glass
If breakage of glass is caused by a collision, you may elect to have it considered a loss caused by collision.
Collision Coverage
Collision means the upset of your covered auto or a nonowned auto being operated by you, or their impact with another vehicle or object (except an animal).
Towing
Pays the costs incurred each time the covered auto or any nonowsned auto is disabled. The disablement can be for any reason and the amount paid is the amount scheduled on the endorsement. The insurer will only pay for labor performed at the place of disablement.
Usual coverage amounts are...