Another Reminder to Stack Your Motorcycle Insurance to the Fullest Extent PA Motorcycle Law Allows

Great liability coverage is not enough

PA-motorcycle-lawLet me tell you a story about a recent case of mine, where taking the fullest advantage of PA motorcycle law regarding “stacking.” In this case the stacking of insurance coverage would have paid huge dividends for my client, had they fully understood the law. I recently represented a client who had purchased insurance through State Farm for his bike and autos, as well as a personal umbrella policy.

My regular readers will note that I’ve written more than once about the advantages of stacking insurance coverage. Those of you who have attended my lectures will remember that I have placed my reputation as a long time PA motorcycle accident attorney on the line to promote the motorcycle coverage of one insurance company in particular, State Farm. State Farm is currently the only major insurance carrier that allows you to stack the uninsured and underinsured (UM/UIM)  coverages from our bikes onto our automobiles, assuming you purchased the “stacking” option on both policies.

My client had great liability coverage – $250,000 – on both his bike and auto policies. But for some reason, he apparently purchased less UI/UIM coverage on his automobile policies, and rejected this coverage all together on his motorcycle policy, in spite of the fact that this practice is fully legal under PA motorcycle law.

I say apparently because State Farm needs to prove to me that he actually signed the required forms indicating he understood, and agreed to, these changes in coverage. If they cannot produce the waivers, they must reform the policy to provide the coverage. I am still waiting…

Always purchase the maximum amount of UM/UIM coverage allowable under PA motorcycle laws

In this case, had my client simply followed PA motorcycle law and purchased the allowable amount of UM/UIM coverage, he would have had at least one million dollars of UM/UIM coverage to make a claim against after he recovered damages from the individual who caused the accident. How much he will actually have remains to be seen.

Here’s the bottom line: PULL OUT YOUR POLICY – right now – and make sure you have the same amount of UM/UIM coverage as you purchased for bodily injury liability. I would suggest purchasing $100,000 in coverage across the board. If you cannot quite swing that, purchase the highest amount you can afford. So call your insurance agent, go on line, or call your carrier directly, and add it to your policy today, before its too late! It is cheap enough to add, along with the stacking option, and if you ever need it, it will be the best money you ever spent.

If you have further questions about insurance stacking and PA motorcycle law, feel free to contact me at or 1-888-CYCLE-LAW (1-888-292-5352).

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