The Facts about Motorcycle Insurance in Florida

Riding a motorcycle is one of the most exhilarating experiences you can have on the road, and the warm, sunny weather in Florida is perfect for riding year-around. Whether you use your bike for strictly recreational purposes on the weekends, or as your sole means of transportation to and from work, you need to make sure you have the necessary coverage to keep you protected.

Something that many people aren’t aware of is that motorcycle insurance is not actually a requirement in Florida, in the way that car insurance is required by law. This doesn’t mean you shouldn’t be covered however, it can make a huge difference in the event of an accident, or even if something like a storm damages your bike. In the event of an accident with another vehicle, you may need to provide proof that you are insured. If you do not have the proper coverage for either liability or property damage, there can be significant consequences such as:

  • The loss of your license and registration of your motorcycle
  • Required payment of restitution
  • Potential judgements against you in civil court
  • Required use of SR22 high risk coverage for a minimum of three years, just to keep your license

There is a wide range of different types of coverages available for motorcycle riders in Florida, and while you may not need all of the possible coverages, having them will provide a significant amount of protection for you and your financial well-being.

Bodily Injury Liability
This type of coverage pays for the medical bills of another driver or their passenger in the event that you cause an accident with another vehicle

Property Damage
This coverage will pay out in the event that you cause damage to another person’s property or vehicle, allowing their property to be repaired without you having to pay those costs out of pocket.