Do you need to pay for insurance if you ride a motorcycle in Florida?

May 19, 2021 | Motorcycle Accidents

Motorcycles are often recreational vehicles. Although you use them for transportation, it is most common for people to own them in addition to a larger motor vehicle, not as their sole source of transportation. You will have all the costs of your other vehicle, as well as the expenses associated with motorcycle ownership, such as maintenance and safety gear.

Whether you use it for cruising on the weekends or your daily commute to work, a motorcycle can be a fun and energizing form of transportation, as well as a cheaper option than bigger vehicles. To legally ride a motorcycle in Florida, you need to take a test to obtain a motorcycle endorsement for your license. You will need to register your motorcycle with the state as well. Do you also need to pay for liability insurance like you do with bigger vehicles?

Florida has a unique approach to motorcycle coverage

Although many states mandate insurance coverage for motorcycles, Florida typically does not. Only in specific situations does someone with a motorcycle need to insure it. Technically, Florida does not require proof of insurance to register a motorcycle like it does for cars, trucks, vans and SUVs if the driver doesn’t have any wrecks on their driving record.

Just because you don’t have to purchase an insurance policy for your motorcycle doesn’t mean you shouldn’t. Not carrying it can leave you in a difficult position if you cause a crash that results in property damage or injuries to others. After such a crash, you will have to carry insurance on your motorcycle for at least three years. Carrying insurance all the time and avoiding an uncovered collision may actually be the more affordable decision.

Not having insurance might leave your finances at risk

If you get into a motorcycle crash that you receive a citation for, anyone who suffers injuries or property damage could try to hold you responsible. If you don’t currently have insurance, the other party involved in the crash may file a civil lawsuit against you.

Carrying liability insurance protects you from the loss of your wages or personal property after a collision. In many cases, however, it will be the other driver, not the motorcycle rider, who causes the crash. Injured motorcyclists often need help navigating the insurance claim process after another driver hurts them.