Glossary of Motorcycle Insurance Terms

Accessory Coverage
Insurance which covers equipment, devices, enhancements, and changes, other than those which the original manufacturer installed, which alter the appearance or performance of a covered motorcycle.
Bodily Injury Liability
Insurance which covers your legal liability for bodily injury caused to others due to your own negligence.
Collision Coverage
Insurance for your own motorcycle damage resulting from the striking of another object or vehicle.
Comprehensive Coverage
Insurance for your own motorcycle damage, including theft, resulting from an occurrence other than collision with another object or vehicle.
Pedestrian First Party
Insurance to provide coverage for reasonable charges for necessary medical treatment and rehabilitative services for pedestrians struck in Pennsylvania by a covered motorcycle.
Property Damage Liability
“Third party” insurance covering your legal liability for damage to property of others caused by your own negligence.
Safety Apparel
Safety apparel specifically designed to minimize injury from a motorcycle accident, including, but not limited to, helmets, leathers, riding boots, riding gloves, and protective eyewear.
Underinsured Motorist Liability
Insurance you may purchase to protect your own self from injury caused by a negligent party who does not have adequate limits of insurance to cover the loss.
Uninsured Motorist Liability
Insurance you may purchase to protect your own self from injury caused by a negligent party who is uninsured.