Because of the expenses that can come from motorcycle accidents, Pennsylvania riders must prove to the Pennsylvania Department of Transportation (PennDOT) that they can handle the potential costs that can come from a motorcycle’s operation. They must have an acceptable amount of liability insurance on the vehicle, or they can choose to self-insure. The State of Pennsylvania has guidelines on how riders can prove financial responsibility. They must have a minimum amount of bodily injury and property damage liability coverage, or they will have to fill out an application form if they want to self-insure. They will also have to provide a current balance sheet and pay a security collateral of $50,000 to PennDOT.
Minimum Liability Insurance Requirements
Unless they choose to self-insure, Pennsylvania riders must have the following minimums in liability coverage:
- At least $15,000 in bodily injury coverage for any death or injuries to a single person because of an accident.
- At least $30,000 in bodily injury coverage for any deaths or injuries to more than one person because of an accident.
- At least $5,000 in property damage coverage for any single accident.
While these are the minimum requirements, it’s always a good idea to get more coverage if you can afford it because it will minimize any potential liabilities that can come from an accident. And it’s best to shop around so you can find an affordable plan.
If you live in Chadds Ford, PA, Brandywine Insurance Group can help you find a motorcycle insurance policy that will meet your needs and fit your budget. And we have agents who will be happy to sit down with you to discuss your needs. If you want someone to meet with you so we can talk about the available options, be sure to get in touch with our office today!
Helmet Requirements in the State of Pennsylvania
While many states are more lenient, Pennsylvania has strict helmet requirements. Any rider under the age of 21 and has held a motorcycle license for less than two years must wear a helmet while they’re riding, and they must complete a safety course from PennDOT or the Motorcycle Safety Foundation.
If you have any questions about any motorcycle insurance regulations in the State of Pennsylvania, Brandywine Insurance Group can help you get the information you need. We have been serving the people of Chadds Ford, PA for a long time, and we have a team of expert agents who can help you with all your insurance needs. Get in touch with us today to find out what we can do for you!