Knowing Your Florida Motorcycle Insurance

Knowing Your Florida Motorcycle Insurance

While riding a motorcycle gives you time of road freedom, you would still feel worried about some statistics.  Data and information show that fatalities and injuries from riding motorcycles are the causes of all traffic damages and deaths.  This is the reason why Florida motorcycle insurance is so important.

Everybody may understand that Florida’s Personal Injury Protection (PIP) Law and No-Fault Law do not apply to motorcycles.  But, the law on Financial Responsibility applies to every motorcycle in Florida, as well as to motor vehicles. Therefore, unless you’re independent financially and have filed certificate on financial responsibility, a policy must be in your priority list.

You should not only have Financial Responsibility (as this is usually offered by both Property Damage Liability and Bodily Injury insurance) but also carry uninsured motorist UM coverage.

Florida Motorcycle Insurance

Florida’s law in motorcycle insurance is somewhat perplexing.  People tend to have the wrong idea that motorcyclists don’t need any policy as car insurance law isn’t similar with the motorcycle insurance law.  In Florida, the law on financial liability applies to motorcycles so consequences will certainly follow those who are not covered by motorcycle insurance.

Knowing Your Florida Motorcycle Insurance

Motorcycle insurance versus car insurance

In other states, motorcycle insurance and car insurance come in identical laws but not in Florida where big differences are seen between these two kinds of laws.  Above anything else, car drivers in Florida are required to get their Personal Injury Protection or the PIP that covers both lost wages and medical bills—no matter who is at fault when an accident happened.

The laws on PIP insurance don’t apply to motorcycles. Other insurance providers can provide the PIP insurance for motorcycles same with PIP insurance for the cars.  However, insurance isn’t regulated by the law in Florida since PIP is not obligatory for motorcycles.  Furthermore, after an accident in motorcycle, there’s no need for the person to show proof of injury to get money, unlike an injury caused by a car accident.

Ways to get Florida Motorcycle Insurance

In general, there are a couple of ways to get your Florida motorcycle insurance:

  1. Purchase your coverage from an insurance carrier which is certified to do some business in Florida.  This option is the usual way of getting covered by insurance.
  2.  Find a self-insurance certificate based on net worth from the Bureau of Financial Responsibility.

An agent for the licensed insurance can give details on the insurance options; however, the following are the least requirements in Florida’s motorcycle insurance:

  1. $10,000.00 for 1 person for the bodily injury liability
  2. $20,000.00 for 2 or more persons for the bodily injury liability
  3. $10,000.00 for each collision for the property damage liability

Knowing Your Florida Motorcycle Insurance

Motorists can also buy coverage for uninsured motorist UM aside from the other forms of insurance. Uninsured motorist coverage can help during the times of medical bills, pain, suffering and lost wages if you got injuries from car crash.  It also helps when the other driver has no bodily injury insurance or if the coverage in bodily injury isn’t sufficient to cover the expenses.

In the state of Florida, the benefits on UM stack automatically, which means that UM coverage can be combined with other vehicles.   While insurance providers can put some limitations, you may consider talking about the stacking policy through your agent.

Don’t allow yourself to be the only driver that has no motorcycle insurance in Florida.   In fact, this coverage has less cost than you can imagine—not having the chances of breaking your bank.

To learn more about the required Florida Motorcycle Insurance, please contact us at DMG Insurance and Financial Services, Inc. ( at 543 N state Road 7, STE 106, Royal Palm Beach EL, 33411, phone 561 422 7071, Fax 561 422 7072.

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