Motorcycle Insurance In Pennsylvania and New Jersey
There are two things a motorcycle rider should never leave behind when he or she goes for a ride - his helmet and his insurance card. Pennsylvania and New Jersey state law mandates motorcyclists have both. But even if it didn't, both are vital to the well-being of riders everywhere, and that includes not getting a ticket.
As for the helmet law, all one needs do is look around the road on a sunny warm afternoon and count the helmeted heads with whom you share the road to know virtually all bikers comply with the law. Although it would be nice if we could say all those riders voluntarily don bucket hats because they know helmets protect them, but the truth is, for many it's a case of their not wanting to be pulled over by the police. But did you know that even if you're safely helmeted with a DOT approved helmet required by law, you can still be in trouble if you're not carrying the motorcycle insurance card you were issued when you bought or renewed the motorcycle insurance policy?
Yep, it's the law; if you are stopped, whether it's for a perceived traffic violation or because you're involved in an accident, if you can't produce the card immediately, you will be cited for not having it with you. Ironically, even if the officer's intention had only been to issue a warning, he'll end up writing you a ticket. And, if you're feeling singled out as a biker, don't. This law applies to all vehicle operators, whether they're at the wheel of a truck, car, van, RV, or bus. The reason we mention it here is that, while most drivers simply toss their vehicle insurance ID card in their glove compartments as soon it arrives in the mail, motorcycles lack a glove compartment. And while bikers may intend to tuck it away somewhere in the limited space available on their bike the next time they go for a ride, the "next time" comes, but the card stays home, out of sight, out of mind.
Here at Devlin Insurance, we would never attempt to discuss the merits of one helmet over the other. Helmets are not our area of expertise, but insurance is. So if you've been considering adding collision, comprehensive, or medical payment coverage to your policy, or increasing your liability coverage from the minimum Pennsylvania and New Jersey law requires (which by the way, is $15,000 for the injury or death of one person in an accident; $30,000 for the injury or death of two people in one accident; or $5,000 for damage to another person's property), come discuss it with us at Devlin Insurance, your full-service insurance agency in Doylestown.