Requirements for Pennsylvania Motorcycle Insurance

In order to meet the state’s requirements for financial responsibility, motorcyclists must have $15,000 of bodily injury insurance for one person in an accident, a total of $30,000 for accidents, and $5,000 for property damage protection. Many recommend more levels of coverage, but this is what you need to comply with the law. Pennsylvania doesn’t change insurance requirements for helmet wearers. You always need to wear a helmet when riding, unless you have had your license for two or more years and are over the age of 21 or have completed a safety course that is approved by the Motorcycle Safety Foundation or PennDOT.

Optional Coverage

Having the minimum insurance in Northeastern, PA will only protect you against liability, such as if you injure someone or cause damage in an accident. It will not cover your medical bills or damage to your own bike. Since riding a motorcycle can be dangerous, having additional coverage will help keep you protected. Ask an agent at The Tyson Agency what other coverage you should have. Comprehensive coverage will protect your bike if the damage is caused by something other than an accident, which can include explosions, fire, contact with an animal or bird, or broken glass. Collision coverage will pay for losses caused by accident. Roadside assistance coverage will provide towing in case your motorcycle is disabled. Uninsured/underinsured motorist coverage is to help with payments for injuries caused by an underinsured or uninsured motorist who is found at fault for an accident.

Does Your Vehicle Qualify as a Motorcycle?

Sometimes people are confused if their vehicle falls under this category. A motorcycle is defined as having a saddle or seat for the driver and travels with no more than three wheels on the ground. A moped is not able to move more than 25 mph.

Contact The Tyson Agency, serving Northeastern, PA, to get a quote on motorcycle insurance.