FL Motorcycle Insurance Requirements

To be safe when driving on the highway, it is not only enough to know the rules of the road, you must also protect yourself. Florida motorcycle insurance laws do not require all riders 21 years of age and older to carry motorcycle insurance. However, it is highly recommended by experts and laymen alike never to hit the road without your bike insured.

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Motorcycle insurance not only protects you as a rider, but it also protects you from the other drivers on the road. In the state of Florida, drivers under the age of 21 who are caught driving without motorcycle insurance could lose their registration and license, and then be required to purchase expensive high risk motorcycle insurance. As an adult, insurance will cover your health, your bike, and your bank account in the event of an accident.

Some motorcycle drivers that also drive regular four wheel automobiles believe that their auto insurance will cover any motorcycle incident or accident that may occur, which is not true. It is a proven fact that drivers are at a higher risk of injury when riding a motorcycle then when driving in a four door automobile; which is an even bigger reason why motorcycle insurance should be purchased. Florida motorcycle insurance is meant to cover damages resulting from drivers negligence, accidents, thefts, hurricanes or other natural disasters.


Types of Florida Motorcycle Insurance Coverage

There are different types of insurance when it comes to motorcycles, such as Personal Injury Protection (PIP), Bodily Injury Liability, Property Damage, and Uninsured Motorist coverage. Liability is required by FL motorcycle insurance laws if you do opt for coverage. Personal Injury Protection is a must have for most drivers because Florida is a no fault state, which means each driver must pay for their own medical bills, no matter who is at fault. However, PIP law does not apply to motorcycles in Florida. Depending upon the company that you get your coverage with, personal injury protection usually covers eighty percent of the cost of all medical bills and sixty percent of lost job income due to the accident.

The next type of insurance is Bodily Injury Liability coverage, which pays for the injuries that happen to the drivers passengers or innocent bystanders. For someone under the age of 21, the minimum amount of coverage required for motorcycle insurance is $10,000 for one person and $20,000 for all injured people in an accident. Property Damage is also great insurance to have, and it covers damage to all motorcycles and other property damaged by the motorcycles.

Remember that  Florida Financial Responsibility Law DOES apply to motorcyclists. Basically, that means that if you don't opt for insurance, you are required, by law, to be financially responsible for injuries and damages in an accident. If you cannot pay, then you will thereby deem yourself not financially responsible, and you will most likely lose your license and have a very difficult time getting it reinstated. For this reason, having motorcycle insurance is very important. When shopping for Florida motorcycle insurance, it is best to shop around to find the best coverage and quote that fits each drivers lifestyle.