Motorcycle Insurance
Berlin, Greensburg, Johnstown, Pittsburgh

Riding your motorcycle is exhilarating, but ensuring you have the ideal insurance coverage can make it an even more enjoyable experience. Dott-Leavitt Insurance Services is here to assist you in selecting the right insurance products at a competitive rate.

Mandatory Liability Insurance

In every state, liability insurance is a legal requirement. This essential coverage safeguards third parties in the event of bodily injury or property damage caused by your motorcycle. Additionally, you have the option to increase your liability coverage beyond the minimum stipulated by law, offering you added protection against potential lawsuits. Keep in mind that if you are held responsible for injuries or property damage, you will be liable for the costs. If the expenses exceed your coverage limit, you will be responsible for the difference. To safeguard your financial well-being, ensure you have adequate coverage.

Personal Injury Protection (PIP) in "No Fault" States

In "No Fault" states, your insurance policy must include Personal Injury Protection (PIP). This coverage ensures that medical expenses are covered for you and your passengers in case of an accident, regardless of who is at fault.

Collision Coverage

Collision coverage is essential as it covers the cost of repairing your motorcycle in the event of an accident. This coverage ensures that your prized possession is back on the road as soon as possible.

Comprehensive Coverage

Comprehensive coverage is a must-have for motorcycle owners. It protects your bike from various risks such as theft, vandalism, collisions with animals, and damage caused by natural disasters like storms or fires. This coverage provides peace of mind, knowing that your motorcycle is safeguarded against unexpected events.

Safeguarding Your Riding Gear

Investing in proper safety gear is crucial when riding a motorcycle. Your riding gear serves as the only barrier between you and the road, making it essential to protect yourself adequately. Many motorcycle insurance policies include coverage for safety apparel. Make sure you have the necessary gear to ensure your safety.

Insuring Custom Equipment

If you've made custom modifications to your motorcycle, custom equipment insurance is vital. Inform your Dott-Leavitt Insurance Services insurance agent about any aftermarket accessories or significant upgrades you've made to your bike. While many policies offer coverage for custom equipment, it's crucial that your insurance provider is aware of these additions. Protect your investment, as you wouldn't want to end up with a standard model after investing time and money in customizing your bike.

Uninsured or Underinsured Motorist Coverage

This coverage is essential if you're involved in an accident with an at-fault driver who lacks sufficient or any insurance coverage. Uninsured or underinsured motorist coverage ensures that your expenses are covered, even if the responsible party cannot meet their financial obligations.

Passenger Liability Coverage

If you plan to have passengers on your motorcycle, consider passenger liability coverage. While it's mandatory in some states, it's a wise choice even where not required. This coverage ensures the safety of your friends and family when you take them along for a ride.

Note: Collision and comprehensive motorcycle insurance are typically required if you've financed your motorcycle. Even if not mandatory, having these coverages is highly advisable. Imagine having to repair or replace your bike after an accident or theft; having the right insurance can save you from substantial financial burdens.

Essential tips to keep both you and your motorcycle safe on the road

Safety Gear

Always wear a certified helmet and appropriate safety gear. While a sleek black look might be enticing, brighter colors make you more visible to other road users. Proper safety gear not only reduces the risk of injuries but also shields you from the elements.

• Invest in a DOT-certified helmet that fits well and provides comfort. Consider a full coverage helmet for added protection.
• Motorcycle sunglasses or goggles are essential for eye protection, especially from debris and wind.
• Opt for a quality motorcycle jacket that offers protection for your arms, back, and chest. It should also be reflective for better visibility.
• Consider chaps or riding pants for added leg protection and warmth, particularly in colder weather.
• Protect your feet and ankles with motorcycle boots that offer ankle protection, good traction, and vibration absorption.
• Don't forget gloves; they provide essential hand protection and are indispensable in adverse weather conditions.

Riding Sober

Riding under the influence is not only illegal but also incredibly dangerous. Impaired balance and coordination are even riskier on a motorcycle. Always ensure you are sober when you hit the road.

Specialized Training

Completing a motorcycle training course is highly recommended. It equips you with valuable skills and knowledge to enhance your safety while riding.

Assume Invisibility

Ride as if you are invisible to other drivers. Many motorcycle accidents occur because motorists fail to see motorcycles until it's too late. Be vigilant and cautious around other vehicles, especially at intersections.

Weather Awareness

Weather and road conditions that are merely inconveniences for cars can pose severe risks to motorcyclists. Rain, oil, water, and potholes can be particularly hazardous. Rain, in particular, creates slick conditions within the first half hour, making it crucial to exercise caution. Ensure you are visible to other drivers by using lights and reflective clothing.

While purchasing motorcycle insurance may not be as exciting as going for a ride, it's a crucial step to ensure your safety and financial security. Don't overlook the importance of having the right coverage for your beloved motorcycle.

Frequently Asked Questions

• Do you have safety apparel coverage?
  On a motorcycle, the only thing between you and the road is your riding gear. Invest in the safety apparel you need to protect yourself. Many motorcycle insurance policies will cover safety apparel.