Pennsylvania Car and Motorcycle Insurance Law

Required Tort Option Coverage

• Full vs. Limited. Determines your ability to sue for pain and suffering if you are involved in a car accident.

Required Minimum Bodily Injury Liability Coverage

• $15,000 per person and $30,000 per occurrence

Required Minimum Property Damage Liability Coverage

• Varies – see your insurance representative.

Required Medical Expense Benefits Coverage

• $5,000 of coverage for medical expenses.
• Medical expense benefits coverage can be purchased for your motorcycle. The medical expenses covered will be listed in your insurance policy so be sure to review this information carefully.

Optional Coverages:

• Income Loss Benefits
• Underinsured Motorist Coverage
• Uninsured Motorist Coverage
• Stacking of limits for Underinsured motorist coverage and Uninsured motorist coverage
• Funeral Benefits

Special note for motorcycle owners:

• If you reject or reduce underinsured or uninsured coverage on your motorcycle policy, you are disqualified from collecting such coverage from your automobile policy even though you have paid premiums for the coverage. Pennsylvania law does not require motorcycle insurers to provide first party coverage. Also, motorcycle owners are not bound by a limited tort selection on an auto policy.

Need more information on state laws? Learn more about the laws where you live.