Florida Motorcycle Accident Insurance

Motorcycle insurance is not mandatory under Florida law. Although all Florida motorists are required to have personal injury protection (PIP) insurance, which pays 80% of your medical bills and 60% of your lost wages if you are involved in an accident regardless of who is at fault, PIP does not cover motorcycle operators. If you own a motorcycle, you should purchase motorcycle insurance in order to be covered in the event of an accident.

Florida has enacted a financial responsibility law, which encourages motorcycle riders to have $10,000 in liability insurance coverage for property damage and medical expenses in the even of a crash. Uninsured motorcyclists who are involved in crashes are at risk of having their operator's license suspended and their motorcycle tags and registration revoked. In addition, they may be required to purchase expensive, high-risk liability insurance for a period of three years after the accident. Therefore, although insurance coverage is not explicitly required, motorcyclists face severe penalties if they are involved in an accident without insurance.

Collision Coverage

Collision coverage will only cover damage to your motorcycle in the event of a crash. Comprehensive coverage reimburses you for damage to your motorcycle by other events, as well, such as riots, floods, fires, or theft, to name a few. Liability coverage compensates other motorists for bodily injury or property damage you may cause as the result of an accident. The liability coverage minimum limits for Florida are as follows:

$10,000 maximum payment for bodily injuries to one person injured in one accident.
$20,000 maximum payment for bodily injuries to all persons injured in one accident.
$10,000 maximum payment for property damage in one accident.

Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage (UM) covers bodily injuries to you or your passenger caused by an uninsured driver. The minimum UM limit in Florida is $20,000 maximum payment for one person’s injuries in one accident and $40,000 maximum payment for all bodily injuries in one accident. Underinsured motorist coverage (UIM) pays for your bodily injuries, including medical expenses, lost wages, or other damages and property damage caused by another driver without adequate insurance. UIM coverage usually pays the difference between the minimum amount you select and the underinsured motorist’s coverage limits.

If you have been involved in a Florida motorcycle accident, contact an experienced Daytona Beach, Deland, Deltona, Flagler, Lake Mary, Orlando, Ormond Beach, Palm Coast and Port Orange motorcycle accident lawyer to discuss your legal options. Call 1-800-351-0911 today for a free initial consultation.

Automobile insurance companies will often attempt to settle out of court quickly while victims are still suffering from the trauma of a Florida motorcycle accident. Vasilaros & Politis, P.A., is experienced with the complex issues involved in Daytona Beach, Deland, Deltona, Flagler, Lake Mary, Orlando, Ormond Beach, Palm Coast and Port Orange motorcycle accident cases and can assist you in receiving full compensation for your injuries. Call the Daytona Beach, Deland, Deltona, Flagler, Lake Mary, Orlando, Ormond Beach, Palm Coast and Port Orange motorcycle accident lawyers at Vasilaros & Politis, P.A. now at 1-800-351-0911 or fill out our FREE CASE REVIEW FORM. The initial consultation is free of charge, and if our Daytona Beach motorcycle accident attorneys agree to accept your case, we will work on a contingent fee basis, which means we get paid for our services only if there is a monetary award or recovery of funds. Don't delay! You may have a valid claim and be entitled to compensation for your injuries, but a Daytona Beach, Deland, Deltona, Flagler, Lake Mary, Orlando, Ormond Beach, Palm Coast or Port Orange motorcycle accident lawsuit must be filed before the statute of limitations expires.

The above is not legal advice. That can only come from a qualified attorney who is familiar with all the facts and circumstances of a particular, specific case and the relevant law. See Terms of Use.