Motorcycle Accident Claims Face Bias in Pennsylvania
HARRISBURG, Pa. — Motorcycle riders in Pennsylvania encounter unique challenges during insurance claims, particularly regarding perceived bias against them, according to recent data.
In 2025, Pennsylvania recorded 2,927 motorcycle crashes, resulting in 186 fatalities, a decrease from 2024’s 3,303 crashes and 219 deaths. Despite the decline, motorcyclists remain disproportionately represented in traffic fatalities.
Authorities confirm that insurance adjusters often assume motorcycle riders are at fault, influencing the speed of claim processing and initial settlement offers. This bias, while not supported by data, can impact recovery amounts.
Under Pennsylvania law (75 Pa. Cons. Stat. Section 3525), riders aged 21 and older with two years of riding experience or a completed safety course may ride without helmets. However, insurance adjusters may leverage helmet use in claims, arguing that any head injuries are partially the rider’s fault.
Riders across the Philadelphia area face heightened risks on congested routes such as Kelly Drive and I-76, both known for their challenging conditions.
After an accident, victims should promptly call 911 and seek medical attention to establish a timeline for injuries. Documentation is crucial; victims are advised to photograph the scene, gather witness information, and preserve damaged gear for evidence.
Pennsylvania employs modified comparative negligence laws (42 Pa. Cons. Stat. Section 7102), where recoveries can be reduced based on the claimant’s percentage of fault.
Legal representation is not mandatory, but typically results in higher settlements due to the complexities involved. Victims have two years from the accident date to file a lawsuit, as stipulated by 42 Pa. Cons. Stat. Section 5524.
For more information, riders are encouraged to consult legal experts specializing in motorcycle accidents.