Florida Motorcycle Insurance Requirements
Florida’s growing population means that more people are sharing our roadways. More congestion also carries a greater risk of accidents. While operating a motor vehicle poses its own risks, riding a motorcycle can be just as (if not more) dangerous. It follows that in most states, motorcycle insurance laws are comparable to other motor vehicle laws. However, in Florida, you are not required to purchase motorcycle insurance coverage if you own a bike.
Under Florida law, owners of motor vehicles are legally required to carry personal injury protection insurance (PIP). This requirement does not apply to Florida motorcyclists. Unfortunately, many Florida motorcyclists mistakenly believe that carrying PIP coverage for their vehicle will provide them coverage in the event of a motorcycle accident. This mistaken belief can leave an injured motorcyclist with no insurance to cover damages and losses after a motorcycle accident.
While Florida motorcyclists are not required to carry PIP coverage, there are other types of coverage available. Many insurance companies in Florida offer a variety of policies that cover motorcyclists in the event of an accident. If you choose to have PIP coverage for your motorcycle, insurance will typically cover up to 80 percent of your medical expenses and up to 60 percent of the loss of income. To be eligible for PIP coverage after a motorcycle accident, Florida law requires that you seek medical attention within 14 days from the date of the accident.
Likewise, Florida motorcyclists also benefit from purchasing uninsured/underinsured (UM/UIM) coverage. This type of coverage protects the motorcyclists when the other party is not insured, does not carry enough coverage to compensate for damages or losses, or flees the scene of the accident. Florida has a high number of uninsured and underinsured drivers, so carrying UM/UIM coverage is of great importance.
Many Florida motorcyclists believe that liability is required by state law. However, this is a misconception. While it is not required, without liability coverage you may become exposed to some unwanted consequences. If you are injured in a motorcycle accident, you will have to pay for your own medical bills out of pocket. Additionally, if you are at least partially to blame for the accident, you may be ordered to pay restitution to the other party.
Wittmer & Linehan PLLC understands that any accidents that occur while riding a motorcycle are extremely dangerous. Because Florida does not require medical payment insurance on motorcycle riders and owners, paying for medical care after an accident can be difficult. If you or a loved one suffered serious injury or death in a motorcycle accident due to another driver’s negligence or wrongdoing, let the knowledgeable attorneys at Wittmer & Linehan help you recover your losses and damages.