Car and Motorcycle Insurance Laws by State

Ohio Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $25,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured (UM) and Underinsured Motorist (UIM) Coverage. Policies may include UM and UIM. Ohio does not require a mandatory offer by insurance companies. Ohio also has no laws regarding the amounts of coverage to be purchased.

Oklahoma Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $25,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured (UM) and Underinsured Motorist (UIM) Coverage. In Oklahoma, UM coverage includes underinsured motorist (UIM) coverage. The insured can purchase UM in an amount equal to the bodily injury liability insurance coverage purchased or a lesser amount. The amount purchased, however, cannot be less than the required bodily injury liability coverage.

Special Rules for Motorcycle Owners

• Insurance discounts are available for 3 years following the completion of a motorcycle accident prevention course. This excludes graduates attending due to a court order.

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

• 5,000 per accident.

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.

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Virginia Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $20,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured Motorist (UM) Coverage. In Virginia, UM includes underinsured motorist (UIM) coverage. If purchased, it must be at least that required for bodily injury coverage. If an insured purchases greater amounts of bodily injury coverage than what is required, UM must equal that amount, unless specifically rejected by the insured. UM must also provide for at least $20,000 in property damage coverage.
• Medical Expenses and Loss of Income Benefits. Medical and funeral expense benefits can be purchased for up to $2,000 per person. Loss of income benefits can be purchased for up to $100 per week for the maximum of one year. An insured can elect to purchase either or both of these coverages.

West Virginia Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured (UM) and Underinsured Motorist (UIM) Coverage. If chosen, the amount purchased must be at least that required for bodily injury liability coverage. The maximum amount of UM/UIM that may be purchased is $100,000 per person injured in any one accident, $300,000 for all persons injured in any one accident, and $50,000 for property damage.

Note: Our attorneys are licensed to practice law in Pennsylvania, West Virginia, Ohio, Maryland, and Virginia. This information is not intended to solicit clients for matters outside of the states of Pennsylvania, Ohio, West Virginia, Maryland, and Virginia, although if you are injured in an accident, we have relationships with other personal injury attorneys and lawyers throughout the United States.

This section provides a state-by-state summary of insurance requirements and optional insurance coverages for cars and motorcycles as regulated by the laws of each state.