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Motorcycle insurance in Florida is a bit peculiar compared with other states. To register a motorcycle and ride it legally, you do not have to have a specific motorcycle insurance policy.
However, be careful with just heading out onto the road without motorcycle insurance in Florida. Discuss your needs with a Florida insurance agent first—because if you don’t purchase insurance on your motorcycle, you could be left with some serious medical bills in case of a motorcycle accident.
To help you understand Florida’s motorcycle insurance requirements and what to expect as a motorcyclist, here’s what you need to know to enjoy riding in Florida.
Since motorcycle insurance is not required, some riders think their automobile insurance will cover them for all injuries and damages in case of an accident. However, that is not always the case.
Florida law states that Personal Injury Protection (PIP) coverage of your automobile insurance policy does not cover medical expenses caused by a motorcycle accident. This portion of your auto policy is specifically excluded for motorcycle drivers.
To protect yourself in case of an accident on a motorcycle, you may want to look into adding medical benefits to your policy. These benefits layer on top of an existing auto policy, or are added as an endorsement of your auto policy and you should be able to add them at any point in your policy coverage.
Another key motorcycle insurance consideration is ensuring you have uninsured motorist coverage. If you don’t have this coverage and you are involved in an accident with someone uninsured, you’ll likely have to cover all expenses out of pocket.
Contact your auto and/or motorcycle insurance agent in Florida as soon as possible if you don’t have insurance on your motorcycle. Have your agent discuss what coverage options you have to provide you with the most security in the event of an accident. Make sure your agent adds to your policy immediately before you go out on your next motorcycle ride—the last thing you want is to find yourself both injured and facing mounting medical bills!
Navigating the aftermath of a motorcycle accident is difficult and confusing—especially considering that what you should be focused on after an accident is getting better and returning to life as normal. That’s why a motorcycle accident lawyer can be a huge asset to accident victims.
Goldman & Daszkal offers insights into motorcycle insurance laws for Florida and will help you work through the next steps after an accident. The sooner you call our team, the better we’ll be able to represent you and work to ensure your financial interests are protected. Contact us now for a free consultation.
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