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Consumer Alert: Motorcycle Insurance

Commissioner Miller is reminding consumers that as the weather gets warmer, more motorcycles will be on the road, and drivers and motorcyclists should both exercise caution.

According to the U.S. Department of Transportation, 62 percent of motorcycle fatalities occur between May and September, with 52 percent occurring on weekends.

Protective eyewear is required to be worn by Pennsylvania law, as well as headgear for riders 21 and younger unless they have completed a safety Penn-DOT approved safety course or have two years of licensed riding experience.

Although helmets are not required for riders over 21, the National Highway Traffic Safety Administration found that riders wearing helmets are 37 percent less likely to die in a crash and 67 percent less likely to suffer brain injuries.

If you ride a motorcycle, discounts may be available through your insurer if you complete a safety course, have a safe driving record, or are a member of an association, like the Harley Owners Group. Some insurers offer discounts for factory-installed anti-lock braking systems as well.

Additional coverage options for custom parts and equipment, transport trailers, and personal property may be available through your motorcycle insurance policy. Ask your insurer for more information.

If you have questions regarding motorcycle insurance coverage, please contact our Consumer Services Bureau at 1-887-881-6388.