Do I Have to Have Motorcycle Insurance in Pennsylvania?

Reader’s Question:

Do I need to have motorcycle insurance to legally drive a motorcycle here in Philadelphia PA.

John

Philadelphia PA

In Pennsylvania motorcycle owners are required to have the same limits of liability insurance to register a motorcycle as an automobile. The minimum required insurance coverage needed to own and operate a car in Pennsylvania are:

•Medical Coverage — this coverage pays for medical bills for you and passenger covered on your car insurance policy regardless of who is at fault. The minimum limit is $5,000.

•Bodily Injury Liability — this pays for medical expenses if you injure someone in a car accident. You can purchase of at least $15,000\ limit per person up to $30,000 per accident.

•Property Damage Liability — if you damage someone’s property in an accident and you are found at fault, this coverage pays for it. You must buy at least $5,000 of coverage.

Motorcycle owners are required to sign and acknowledgment of Financial Responsibility Statement and give car insurance information such as policy number and the effective date and expiration date of the insurance policy.