The National Highway Traffic Safety Administration (NHTSA) reports that of the 4,000 motorcycle crashes in Pennsylvania each year, half are between a motorcycle and another motor vehicle, and approximately 1,300 are not the fault of the motorcycle driver.
If you are seriously injured in a motorcycle crash that is not your fault, then there is a good chance that you will have large medical bills, a large healthcare lien that must be repaid out of any settlement, lost wages, disability and a loss of quality of life.
One of the parties in the accident must have enough liability insurance to cover your losses. Pennsylvania only requires a $15,000 liability policy to cover any one injury.
You can hope that the other driver has a large liability policy. Or you can protect your family and yourself by purchasing uninsured and under-insured motorist coverage with stacking. Recently an experienced insurance adjuster estimated that the average auto liability policy in Pennsylvania is $25,000. My minimum recommended motor vehicle insurance is at least $100,000 liability, uninsured and under-insured motorist coverage. Buy more if you can afford it. Select stacking. Never reduce your uninsured or under-insured motorist coverage, as these two insurances are designed to protect you.