Do I need insurance to ride a motorcycle in Florida?

Florida motorcycle insurance requirementsFlorida motorcycle laws can be slightly confusing, especially when it comes to insurance.

If they are held responsible for a motorcycle crash due to negligence, they can be charged and financially accountable. Nevertheless, in our state, riders are not required to even ride a motorcycle or carry insurance.

High Costs of No Motorcycle Insurance

In Florida, motorcycle insurance laws require riders to carry a policy or coverage specifically dedicated to protecting against liability in motorcycle crashes. This coverage can come from a dedicated policy or from benefits that provide at least $10,000 in medical coverage. Instead of requiring riders to carry minimum coverage for injuries sustained in a crash, like the state’s motorcycle helmet laws, Florida’s motorcycle insurance laws require you to carry coverage that will pay for injuries sustained in a crash.

When it comes to accidents in Florida, bikers are more likely to suffer severe injuries than drivers. That’s why it’s important for bikers to have insurance laws that provide them with lower standard protection, including coverage of $10,000, especially after a collision.

  • In our state, motor vehicle operators with four or more wheels are required to carry Personal Injury Protection (PIP) insurance to ensure payment for their medical bills in the event of an accident. It is mandatory to have PIP coverage, even if you are riding a motorcycle and there is no PIP payment available for injured individuals in the event of a crash.
  • If you incur more than $10,000 in medical expenses and lost earnings due to a motorcycle accident, you need to seek reimbursement from the responsible driver. It’s important to note that Florida’s “no-fault” legislation for motor vehicle accidents only covers vehicles with four or more wheels, excluding motorcycles and their owners. This lack of no-fault protection can be a disadvantage.
  • If you are found at fault for an accident and do not have liability insurance, you may face civil fines, lose your riding privileges, and have your license suspended. Although motorcycle insurance is not required in the Sunshine State, riders can still face penalties and crashes if involved in accidents without insurance.
  • If you are cycling in Florida, it is highly advisable to obtain motorcycle insurance, although it is not obligatory. Some insurance companies may provide additional coverage for uninsured drivers or hit-and-run incidents to safeguard riders from accidents. Furthermore, certain insurers offer a bundled package for insuring both a car and motorcycle, often granting a discount.

    In order to arrange a meeting and obtain responses to any inquiries you may have, please complete the brief contact form provided on this webpage. Our lawyer specializing in personal injury matters can advise you on the various choices at your disposal and assist you in obtaining the necessary recompense for your recovery, in the event that you have sustained injuries in a motorcycle collision.