Motorcycle Insurance: Do You Need It In Florida?


Motorcycle insurance protects Florida riders against unforeseen expenses due to accidents and covered risks. However, this comes at a cost as you will have to pay premiums. This is why many may wonder whether this is a necessary purchase or not.

State rules

Unlike other states, Florida motorcycle laws are not similar to regulations governing other motor vehicles. While car drivers are not allowed to be behind the wheel without at least the minimum coverage requirements, motorcyclists do not need to purchase and maintain an insurance policy.

Generally, bikers can register a motorcycle without insurance. However, this does mean that the driver will be held responsible for payments if they are charged in a motorcycle accident.

The state no-fault coverage law does not apply to motorcycles. Thus, if you are involved in an accident caused by another driver, you will have to claim compensation from that driver’s insurance. These include payments for your medical bills, pain and suffering, damage to your motorcycle, and loss of income.

While asking them to pay your expenses covered by the other driver’s insurance may seem like a straightforward process, the insurer is not required to meet any thresholds. To avoid such cases, it may be a good idea to consider purchasing coverage for uninsured motorists.

According to the Insurance Information Institute (III), 20.4% of Florida motorists are uninsured. Having uninsured motorist insurance will protect you against huge expenses if you are involved in an accident and the driver at fault does not have insurance.

Possible penalties

As previously stated, the state does not require drivers to have motorcycle insurance. However, there are repercussions if you have an accident and don’t have coverage.

If you are accused of an accident, you will be responsible for all expenses related to bodily injury and property damage suffered by the other party. If it is proven that you did not have liability coverage at the time of the accident, there may be ramifications. These include:

• Suspension of driving privileges
• Suspension of registration and tag
• Obligation to have civil liability cover for bodily injury and material damage for three years
• Issuance by a court of a civil judgment against you

Simply put, you are not required by law to purchase motorcycle insurance. However, you will need it if you cause an accident.

Work with a lawyer

If you are the victim of a motorcycle accident, you can claim compensation for the damage and loss suffered as a result of it. The insurer of the person at fault will cover the expenses you incur. If they’re uninsured, your uninsured motorist coverage will pay.

However, some victims end up having to take their cases to court. This is especially true if the parties responsible for the injuries are unwilling to take responsibility.

In such a case, legal action for motorcycle accident may be necessary. That said, not all motorcycle accident victims can take this legal action. The claimant must suffer serious damage due to the accident. They must also prove that the accident which caused the injuries was due to the negligence of the defendant. In addition, there are other legal requirements and processes as well. Thus, the assistance of a lawyer specializing in motorcycle accidents is necessary.

If you have a motorcycle accident, it is best to get legal advice as soon as possible. Indeed, experienced motorcycle accident lawyers can help you obtain appropriate compensation from the responsible parties and assist you in legal action if necessary. If you need legal assistance in Florida for a motorcycle accident, contact Justice Pays.

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