Everything You Need to Know About Motorcycle Insurance in Pennsylvania

Are you ready to buy your first (or fourth) motorcycle? Or are you looking for new motorcycle insurance?

Riding a motorcycle comes with risks, from unexpected accidents and injuries to theft and damage to your bike. Having the right motorcycle insurance can help protect you financially when a covered incident occurs.

Depending on your policy, motorcycle insurance may provide liability coverage for injuries or property damage you cause to others, collision coverage for damage to your motorcycle, and comprehensive coverage for certain losses such as theft, fire, or weather-related damage.

Coverage options, requirements, deductibles, limits, and exclusions vary by policy and state. At Rumbaugh Insurance, we help motorcycle owners in Hanover, PA, and surrounding communities explore insurance options that fit their riding habits, coverage needs, and budget.

What does motorcycle insurance cover?

Motorcycle insurance pays to replace damaged, stolen, or lost bikes. In addition, the policy includes liability insurance to pay for damage or injury to a third party that resulted from your negligence. Every motorcycle insurance policy can be customized to meet your needs. Here are a few things to consider when shopping for insurance:

Full replacement versus actual cash value. Full replacement cost will pay the total cost to replace your motorcycle if it is totaled. Actual cash value will only pay the market value of your motorcycle. Say you purchased a motorcycle five years ago. It may be valued at $20,000, but the cost to replace it with a new one is $30,000. Full replacement provides better coverage so you are not stuck with out-of-pocket expenses (other than your deductible).

Comprehensive insurance coverage. Comprehensive insurance covers non-collision damage including weather (hail or wind), animal damage, and theft. If you don’t add this coverage to your policy and any of these incidents damage your bike, you won’t have coverage to get it fixed.

Medical payments. You can increase your medical payments coverage to alleviate any costs associated with hospitalization or excessive doctor visits from an accident.

Uninsured/Underinsured Motorist. If being involved in a wreck isn’t bad enough, what happens when the other driver (who caused it) doesn’t have adequate or any insurance? Uninsured and Underinsured Motorist coverage protects you in these circumstances. If you are involved in a wreck and the other party’s insurance isn’t enough, your policy will fill in the gap.

Rumbaugh Insurance currently insures a variety of motorcycle makes and models, including Harley, Kawasaki, Victory, Yamaha, Honda, and even custom builds. We know that getting out on the open road on your motorcycle is your freedom. Whether you ride year-round or just during the summer months, it pays to be protected.

Rumbaugh Insurance has been helping motorcyclists like you understand and find the right motorcycle insurance. We have served the Hanover, Gettysburg, Spring Grove, New Oxford, and surrounding communities since 1972. We are a Hanover insurance agency you can trust. Contact our team today at 717-632-6001 for a motorcycle insurance quote.