Pennsylvania Consolidated Statutes

75 Pa. Cons. Stat. § 1711 (2026)

  Required benefits.

✓ current as of May 2026
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SUBCHAPTER B

MOTOR VEHICLE LIABILITY INSURANCE

FIRST PARTY BENEFITS

 

Sec.

1711.  Required benefits.

1712.  Availability of benefits.

1713.  Source of benefits.

1714.  Ineligible claimants.

1715.  Availability of adequate limits.

1716.  Payment of benefits.

1717.  Stacking of benefits.

1718.  Exclusion from benefits.

1719.  Coordination of benefits.

1720.  Subrogation.

1721.  Statute of limitations.

1722.  Preclusion of recovering required benefits.

1723.  Reporting requirements.

1724.  Certain nonexcludable conditions.

1725.  Rental vehicles.

 

Cross References.  Subchapter B is referred to in sections 1302, 1787, 1797, 1798, 4921 of this title.

§ 1711.  Required benefits.

(a)  Medical benefit.--An insurer issuing or delivering liability insurance policies covering any motor vehicle of the type required to be registered under this title, except recreational vehicles not intended for highway use, motorcycles, motor-driven cycles or motorized pedalcycles or like type vehicles, registered and operated in this Commonwealth, shall include coverage providing a medical benefit in the amount of $5,000.

(b)  Minimum policy.--All insurers subject to this chapter shall make available for purchase a motor vehicle insurance policy which contains only the minimum requirements of financial responsibility and medical benefits as provided for in this chapter.

(Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984; Apr. 26, 1989, P.L.13, No.4, eff. June 1, 1989; Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990)

 

Cross References.  Section 1711 is referred to in sections 1718, 1719, 1720, 1721, 1723, 1752, 1787, 1798.1 of this title; section 57A07 of Title 53 (Municipalities Generally); section 2603.1 of Title 66 (Public Utilities).

Notes of Decisions
Cited in 43 cases, 1986–2019 · leading case: Omodio v. Aetna Life & Cas., 559 A.2d 570 (Pa. 1989).
Omodio v. Aetna Life & Cas., 559 A.2d 570 (Pa. 1989). · cites it 4× “as a direct result of loading or unloading any motor vehicle” is valid under the terms of sections 1711 and 1712 of the Pennsylvania Motor Vehicle Financial Responsibility Law (“the Financial Responsibility Law”), 75 Pa.C.S. §§ 1711, 1712, which direct insurers to make available…”
In Re Septa Mvfrl Interest Litig., 996 A.2d 1099 (Pa. Commw. Ct. 2010). · cites it 4× “75 Pa.C.S. § 1711. Section 1716 of the MVFRL, also located within subchapter B, reads as follows: Benefits are overdue if not paid within 30 days after the insurer receives reasonable proof of the amount of the benefits.”
Hester v. Pennsylvania Fin. Responsibility Assigned Claims ACP, 743 A.2d 926 (Pa. Super. Ct. 1999). · cites it 6× “§ 1711(a), which requires insurers to provide a minimum amount of medical benefits for those vehicles actually "registered and operated in this Commonwealth" 75 Pa.C.S. § 1711 (emphasis added). As the host vehicle was unregistered at the time of the accident, Appellants argue…”
McKelvey v. Prudential Prop. & Cas. Ins. Co., 572 A.2d 769 (Pa. 1990). · cites it 4× “" 75 Pa.C.S. §§ 1711, 1712. Appellant claims his injury arose out of the use of a motor vehicle because "but for" a car crashing into his home, he would not have jumped out of bed and run out of his bedroom, hitting his shoulder on the door frame.”
Lewis v. Erie Ins. Exch., 793 A.2d 143 (Pa. 2002). “The MVFRL also required (and requires) that a vehicle owner show financial responsibility at the time of registration in terms of an ability (by way of insurance or otherwise) to respond to specified damages claims, 8 and subjects owners to penalties for failing *118 to maintain…”
Hobbs v. Ryce, 769 A.2d 469 (Pa. Super. Ct. 2001). · cites it 2× “” ¶ 18 According to 75 Pa.C.S. § 1711, the minimum required medical benefit to be *476 provided by all insurers in the Commonwealth is $5,000.”
Williams v. State Farm Mut. Auto. Ins., 763 F. Supp. 121 (E.D. Pa. 1991). · cites it 2× “Plaintiff Williams’s complaint contains three counts: Count I is based upon an alleged breach of contract to pay reasonable and necessary medical expenses under the Pennsylvania Motor Vehicle Financial *123 Responsibility Law, 75 Pa.Cons.Stat.Ann. § 1711 (Purdon Supp.”
Alvarino v. Allstate Ins., 537 A.2d 18 (Pa. 1988). “” 75 Pa. Cons.Stat.Ann. §§ 1711, 1712. Appellants contend that the trial court erred in concluding that as a matter of law, their injuries arising from the dog bite did not arise out of the maintenance or use of a motor vehicle.”
Zeigler v. Constitution State Serv. Co., 634 A.2d 261 (Pa. Super. Ct. 1993). · cites it 3× “At 75 Pa.C.S. § 1711, the legislature has mandated that vehicles which are registered and operated in the Commonwealth of Pennsylvania provide coverage for benefits under the MVFRL.”
Huber v. Erie Ins. Exch., 587 A.2d 333 (Pa. Super. Ct. 1991). “Although the MVFRL still requires that compensable injuries arise “out of the maintenance or use of a motor vehicle,” 75 Pa.C.S. § 1711, 1712, the act does not define “maintenance or use” nor does it specifically exclude loading/unloading injuries as did the No-fault Act.”
Byard F. Brogan, Inc. v. Workmen's Comp. Appeal Bd., 637 A.2d 689 (Pa. Commw. Ct. 1994). “75 Pa.C.S. § 1711 required then that all automobile liability insurance policies contain coverages of $10,000 for medical benefits, a maximum of $1000 for monthly income loss benefits up to $5000 and $1500 in funeral benefits.”
Houston v. Se. Pennsylvania Transp. Auth., 19 A.3d 6 (Pa. Commw. Ct. 2011). · cites it 2× “75 Pa.C.S. § 1711(a). As we indicated in In re: SEPTA, Section 1787(a)(1) also states that the benefits required by Section 1711 must be provided “subject to the provisions of Subchapter B (relating to motor vehicle liability insurance first party benefits).”
— 75 Pa. Cons. Stat. § 1711(a) — 6 cases
In Re Septa Mvfrl Interest Litig., 996 A.2d 1099 (Pa. Commw. Ct. 2010). “75 Pa.C.S. § 1711. Section 1716 of the MVFRL, also located within subchapter B, reads as follows: Benefits are overdue if not paid within 30 days after the insurer receives reasonable proof of the amount of the benefits.”
Hobbs v. Ryce, 769 A.2d 469 (Pa. Super. Ct. 2001). “” ¶ 18 According to 75 Pa.C.S. § 1711, the minimum required medical benefit to be *476 provided by all insurers in the Commonwealth is $5,000.”
Hester v. Pennsylvania Fin. Responsibility Assigned Claims ACP, 743 A.2d 926 (Pa. Super. Ct. 1999). “§ 1711(a), which requires insurers to provide a minimum amount of medical benefits for those vehicles actually "registered and operated in this Commonwealth" 75 Pa.C.S. § 1711 (emphasis added). As the host vehicle was unregistered at the time of the accident, Appellants argue…”
Houston v. Se. Pennsylvania Transp. Auth., 19 A.3d 6 (Pa. Commw. Ct. 2011). “75 Pa.C.S. § 1711(a). As we indicated in In re: SEPTA, Section 1787(a)(1) also states that the benefits required by Section 1711 must be provided “subject to the provisions of Subchapter B (relating to motor vehicle liability insurance first party benefits).”
Prudential Prop. & Cas. Ins. v. Ziatyk, 793 A.2d 965 (Pa. Super. Ct. 2002).
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