Vehicle liability insurance covers property damage or injuries that may be caused to other people in an accident. Insurance companies are not required to notify PennDOT when a vehicle owner purchases a new insurance policy with the same or a different company. Car insurance coverage is mandatory in Pennsylvania, and your coverage must meet the state's minimum liability requirements in order for you to drive legally. The car insurance coverages required in Pennsylvania include liability for bodily injury, liability for property damage, and medical benefits, also known as medical payment coverage.
In Pennsylvania, all business-owned vehicles must be insured with a commercial auto policy that meets the minimum insurance requirements. Insurers will automatically include these coverages in a motorcycle insurance policy, unless you choose to reject them in writing. Car insurance is a contract between you and your insurance company that provides financial protection if you are involved in a car accident. It's critical to understand that the minimum car insurance coverage may not provide the level of financial protection you would want if you were in a car accident.