Typical Way Motorcycle Insurance Provides Value

Insuring Your Ride with Motorcycle Insurance

At Griffith Insurance LLP of West Chester, PA, we proudly offer comprehensive insurance policies to safeguard a wide range of vehicles—cars, trucks, motorcycles, and more. If a motorcycle purchase is on your horizon, a deep dive into motorcycle insurance policies and the value they provide can better prepare you for your next step.

Understanding Motorcycle Insurance in Pennsylvania

Like car insurance, motorcycle insurance in Pennsylvania provides diverse coverage angles and is compulsory for all public road users. It comes in two primary protection formats – liability coverage and comprehensive coverage. Here’s a detailed look at the value that motorcycle insurance delivers.

Liability Coverage Under Motorcycle Insurance

Liability protection is the minimum required coverage. It covers damage or personal injury costs that you may cause in a mishap. This provision steps up to the plate, whether it concerns other vehicles, fences, signs, or other types of property. It also covers the medical expenses of accident victims, subject to policy limits.

Comprehensive Coverage for Motorcycles

Comprehensive coverage provides a broader safety net. Besides liability protection, it cushions you and your motorcycle against any damage in an incident. Comprehensive policies also cover the costs if your motorcycle is damaged by fire, stolen, vandalized, or subject to other covered predicaments. Comprehensive coverage is especially recommended for high-value and unique motorcycles that might be pricey to replace.

Get a Free Motorcycle Insurance Quote

For bikers answering the allure of scenic routes in the West Chester, PA area, let us at Griffith Insurance LLP help you secure tailored and budget-friendly motorcycle insurance. Reach out to us today for a complimentary quote.

The importance of wearing a helmet when riding a motorcycle

Wearing a helmet is one of the most important safety measures anyone can take when riding a motorcycle here in the West Chester, PA area. A helmet protects from head injuries in case of an accident or unexpected impact. It also acts as a barrier against debris, wind, rain, and other elements that could cause injury or discomfort. Wearing a helmet not only ensures your safety but is also required by law in many places. At Griffith Insurance LLP, we recommend one for everyone.

Riding without a helmet increases the risk of severe or fatal head injuries. According to the National Highway Traffic Safety Administration (NHTSA), helmets are estimated to be up to 37% effective in preventing fatalities and up to 67% effective in preventing brain injuries among riders involved in motor vehicle accidents. Additionally, someone wearing a helmet is much more likely to survive an accident than someone who isn’t wearing one. 

The bottom line is that anyone who rides a motorcycle should always wear a helmet. Not only is it legally required in many areas, but it also provides essential protection for your head should you ever find yourself in an unpleasant situation while on the road. Wearing a helmet can save your life; ensure you never leave home without yours!

For more motorcycle safety tips or to explore a policy to cover your motorcycle, call us at Griffith Insurance LLP today. We proudly serve the West Chester, PA area and would be glad to help you find a policy that meets your needs and budget.

Does Motorcycle Insurance Cover Hospitalization?

If you plan to ride a motorcycle, it’s essential to carry adequate motorcycle insurance. Since motorcyclists need to be more aware of other drivers on the road, they must understand how and what their insurance coverage protects. So, does motorcycle insurance cover hospitalization? 

Motorcycle Coverages

Motorcycle insurance can be customized just like auto insurance. When you decide to build a policy, you will want to consider adding medical payments to your policy to ensure that you and anyone you’re hit can get medical attention paid for by insurance coverage. It’s not mandatory to have medical payments on your motorcycle insurance policy. However, if you’re in an accident, you’ll appreciate having that part of the policy in effect. 

Selecting Insurance Coverage

Residents living around the West Chester, PA area need top-quality insurance they can rely on when a covered incident occurs. The right insurance coverage offers peace of mind from losses, from repairs or replacement to paying for medical bills. To get the best protection available, it’s important to work with a highly knowledgeable insurance agent like the experts at Griffith Insurance LLP. Our team is dedicated to providing each client with personalized service so they can learn more about the types of insurance that offer them the best protection. From choosing a policy to submitting details for a claim, we are here to help. 

Reach out Today

To find the best coverage for a motorcycle, please reach out to us to begin receiving round-the-clock protection to cover your investment and yourself. Residents living in and around the West Chester, PA area can rely on us to guide them through the entire process from start to finish. Don’t guess when it comes to your insurance coverage. Let the experts on our team at Griffith Insurance LLP help make the process more understandable and less of a hassle. 

4 Benefits of Pennsylvania Motorcycle Insurance

Cruising along the Pennsylvania open roads with your bike is what life is all about: the adrenaline rush, the rumble of your engine, and the wind blowing your face. Riding a motorcycle is something that words can’t aptly describe. However, while immersed in the biking world, one thing you don’t need to forget about is motorcycle insurance. When you purchase motorcycle insurance from Griffith Insurance LLP of West Chester, PA, you will enjoy the below benefits.

Compliance with the law

A motorcycle isn’t only compulsory, but you are also required to carry the below minimum liability coverages by the Pennsylvania State:

  • Bodily injury liability: Covers medical costs for injuries you cause to others in an accident. The required minimum is $15,000 per person and doubles the amount for accidents involving multiple persons.
  • Property damage liability: Covers property damage to other people. The state-required minimum is $5,000. 

Asset protection

The world of bikes has unlimited possibilities. Depending on what you intend to utilize your bike, it can cost you thousands of dollars. But whether your bike is expensive or modest, you need motorcycle insurance to protect your investment from loss or damage when disaster strikes. Motorcycle insurance pays for repairs and replaces your bike in case of total loss. 

Liability protection

Just like your vehicle or boat, accidents are never far from your bike. You could hit a pedestrian, or you could collide with another motorist. Without motorcycle insurance, you could be faced with out-of-pocket property damage and bodily injury liabilities. Worse yet, you could face legal suits if the aggrieved party sues you. 

Peace of mind

Whether riding your bike for fun or running errands, you don’t want to clog your mind with what would happen after an accident. Purchasing motorcycle insurance offers you inner peace, knowing that damages and bodily injuries are taken care of. 

Buy motorcycle insurance today!

Are you shopping for motorcycle insurance in West Chester, PA? Please look no further than Griffith Insurance LLP. Contact us today for an affordable quote. 

When does someone in West Chester need motorcycle insurance?

The West Chester, PA area can be a great place to live. Those that are in this area can truly enjoy the warm summer months. When it is warm outside, a great way to spend your day is on your very own motorcycle. While this can be a fun and efficient mode of transportation, it is also an asset that you need to properly protect with insurance. There are several situations when someone in this area needs to get motorcycle insurance.

When Using Public Roads

One situation when someone here needs to get motorcycle insurance is when they want to use public roads. Those that are in this area of the state need to comply with guidelines set forth for everyone in Pennsylvania. The state rules will require that you carry liability insurance whenever using your motorcycle. Those that do not have it will not be in compliance with the law.

When a Loan is Outstanding

You are also going to need to have motorcycle insurance when a loan is outstanding. If you have taken out a loan to finance the purchase of your motorcycle, you should check with your lender regarding insurance needs. In many cases, you are going to be obligated to carry motorcycle insurance. If you do not have this type of coverage in place, you will be in violation of your loan agreement.

Picking a motorcycle insurance policy in the West Chester, PA area is a big decision. To ensure that you are picking the right policy for your situation, you should call Griffith Insurance LLP. The team at Griffith Insurance LLP can provide you with the guidance and support that you need to get into a policy that will properly protect you and your valued motorcycle.