Motorcycle Insurance in Zelienople and Jeannette, PA
Providing Motorcycle Insurance to Zelienople, PA, Pittsburgh, PA, and Surrounding Areas
No matter what type of motorcycle you own -- be it a top-of-the-line sportbike, classic cruiser, comfy touring bike, or something else entirely -- you love your ride. At Jack L. Bonus Insurance, we want to make sure both you and your vehicle are protected. Getting motorcycle insurance is crucial before hitting the road.
Learn About Our Comprehensive Motorcycle Insurance
Your motorcycle insurance policy can be tailored to you. Our coverage options can take care of accident forgiveness, replacement costs for parts, uninsured/underinsured motorists and more.
Offering Liability Coverage and Much More
If you’re involved in an accident and cause property damage or bodily injury to another person, liability coverage can safeguard you from costly legal consequences and hospital bills.
Protect Your Ride Today
Things can go wrong. Before you hit the road, get in touch with us and find out how Jack L. Bonus Insurance can craft the best motorcycle insurance policy for your needs.
Common Motorcycle Insurance Questions:
What is motorcycle insurance?
A motorcycle is a motorized vehicle that is in danger of encountering the same accident and operational hazards as any other vehicle. Yet, it is very different from a standard car or truck. Motorcycles have two wheels and require unique skills to operate. They also don’t give riders the same level of protection as a standard car.
Due to this, bikers need customized insurance coverage that can’t be found within a standard auto insurance plan. Motorcycle Insurance allows for owners to receive necessary protection to keep themselves and their vehicle protected in case of sudden loss.
Why do you need motorcycle insurance?
Under the standard motorcycle insurance policy, you will receive the assurance of financial assistance if you ever experience an unexpected, unpreventable loss involving your bike. This coverage will assist in paying for accident damage, settlements and other obstacles that may come your way. Whether you are on the road or parked on your driveway, this coverage will save you money and alleviate potential personal losses.
What does motorcycle insurance cover?
Motorcycle insurance includes a large array of benefits, which offer you protection against any obstacle you may encounter:
Comprehensive coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
Collision coverage: This provides compensation if the motorcycle is damaged or lost due to a collision with another vehicle or object.
Liability insurance: This covers bodily injury and property damage the insured biker may cause to others (IE other drivers) when they are at fault for an accident whenoperating the vehicle.
Personal Injury Protection (PIP): This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is atfault.
Guest passenger liability insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission.
Uninsured/underinsured motorist insurance: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.
Other benefits that might be available to you include:
Am I required to buy motorcycle insurance?
In Pennsylvania motorcycle insurance is required, and you must carry at least the following coverage.
Medical Benefits (No-Fault): $5,000
Bodily Injury Liability: $15,000 per person/$30,000 per accident
Property Damage Liability: $5,000
Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements.
Limited or Full Tort — You can choose to have full or limited tort coverage. Limited tort coverage offers you a savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages - such as payments for pain and suffering - unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705 (d). With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party."
It may be required for bikers who have financed their bikes to purchase collision, comprehensive, gap or other physical damage insurance in agreement with lender rules.
It is encouraged for you to have more than the lowest level of coverage on your policy, and we specialize in assisting you in determining which level of coverage is best for you.
What does motorcycle insurance cost?
Various factor can impact the price of your motorcycle policy, including:
Your chosen coverage limits
The value of your bike
Your driving accident history
Your history of claims on other motorcycle policies
It is possible for two bikers to have identical policies yet pay different prices for them. However, we’ll always search our carrier network to guarantee you find the policy that will offer you the most desirable price for the level for the benefits you want.