Day Insurance Agency Helps You Ride into Spring with Confidence
As riders across Pennsylvania gear up for the season, now’s the time to consider why motorcycle and ATV coverage matters this spring. Day Insurance Agency helps ensure you’re protected before you hit the road or trail.
Motorcycle Insurance: What’s Required in Pennsylvania
Spring brings clear roads and active riders. If you ride on public roads, Pennsylvania law requires motorcycle insurance. This includes:
- Liability Insurance: Covers injury or property damage if you’re at fault
- Medical Payments (MedPay) or PIP: Pays medical expenses for you or passengers
- Uninsured/Underinsured Motorist Coverage: Helps if the other driver has insufficient coverage
Pro Tip: Minimum limits may fall short. Increase liability and explore additional protections.
Collision and Comprehensive Coverage Offer Essential Protection
Even if not required, these coverages protect your investment:
- Collision: Pays for repairs if you crash, even if you’re at fault
- Comprehensive: Covers theft, vandalism, fire, weather damage (like hail or falling branches)
If your bike is financed, customized, or new—add this protection.
ATV Insurance: Coverage for the Trails and Beyond
While ATV insurance isn’t always mandatory, it’s important when you:
- Ride on public roads or trails
- Finance or lease your ATV
- Ride with others or on someone else’s property
Typical coverage includes:
- Liability (bodily injury and property damage)
- Comprehensive and Collision
- Medical Payments
- Uninsured/Underinsured Motorist
- Accessory Coverage for custom racks, winches, or trailers
Reminder: Homeowners insurance doesn’t cover off-property ATV use.
Coverage for Dirt Bikes, UTVs, and Side-by-Sides
Off-road vehicles carry risk. Coverage helps if you:
- Ride with a club or at events
- Use your UTV for hunting trips
- Own expensive or customized machines
Accidents and rollovers happen—be ready for repair and medical costs.
Ways to Save on Powersports Insurance
Keep costs low with these tips:
- Bundle your motorcycle or ATV with home or auto insurance
- Take certified safety courses for discounts
- Store your vehicle in winter and ask about seasonal policies
- Maintain an accident-free record for lower rates
We compare carriers to find the best value for your ride.
Ride smart this season with coverage that fits your lifestyle. Day Insurance Agency is here to help you stay protected every time you hit the road or trail.
Before you roll out, double-check your protection. Call Day Insurance Agency at (724) 228-3448 in Washington, PA or (724) 356-7700 in Hickory, PA. Discover why motorcycle and ATV coverage matters this spring.