Riding a motorcycle can be an exhilarating and rewarding experience that offers a unique sense of adventure and community. For many bikers in Florida, the thrill of the open air and the connection to the environment around them is a major draw. Riding groups provide a sense of belonging and camaraderie. Like minded riders connect as they share a passion for motorcycles and the open road. However, it’s important for bikers to prioritize safety and ensure they have the right insurance coverage to protect themselves and their assets in the event of an accident.
In this article, we’ll cover the basics of motorcycle insurance in Florida, including the legal requirements, coverage options, and tips for saving money, so bikers can enjoy the adventure and community of riding while being protected on the road.
Do you need insurance on a motorcycle in Florida?
Yes, in Florida motorcycle riders are required by law to carry insurance. According to Florida Statutes, all motorists, including those riding motorcycles, must carry personal injury protection (PIP) and also carry property damage liability (PDL) insurance. While the state of Florida does not require riders to carry bodily injury liability insurance, it is highly recommended.
Do motorcycles need insurance in Florida?
Yes, motorcycles are considered motor vehicles in the state of Florida and are required to have insurance coverage. Riding a motorcycle without insurance can result in fines, license suspension, and other legal consequences.
Florida motorcycle insurance laws
The specific laws and regulations applied to motorcycle insurance in Florida are outlined in Florida Statutes. These laws require that all motor vehicles, including motorcycles, must have personal injury protection (PIP) insurance and also have property damage liability (PDL) insurance.
PIP insurance covers medical expenses and lost wages in the event of an accident, regardless of who was at fault. The minimum PIP coverage required in Florida is $10,000. PDL insurance covers damage to other people’s property, such as their car or home, in the event of an accident. The minimum PDL coverage required in Florida is also $10,000.
While bodily injury liability insurance is not required by law, it is strongly recommended. Bodily injury liability insurance covers injuries to other people in the event of an accident that you are responsible for. It can help protect you from costly lawsuits and medical bills. If you choose to purchase bodily injury liability insurance, the minimum coverage required in Florida is $10,000 per person and $20,000 per accident.
Choosing the right policy
When it comes to choosing the right motorcycle insurance policy in Florida, there are a few things to keep in mind. First, it’s important to consider the minimum coverage requirements outlined by Florida’s motorcycle insurance laws. You’ll want to have at least the minimum required coverage for personal injury protection and property damage liability.
However, it’s also important to consider your individual needs and budget. Additional coverage options are available, such as collision and comprehensive coverage, which can help protect your motorcycle in the event of theft, damage, or other incidents. Uninsured/underinsured motorist coverage provides additional protection if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
Saving money on motorcycle insurance
Motorcycle insurance premiums can vary widely depending on a variety of factors. Some of the factors considered include your age, driving record, location, and type of motorcycle. However, there are some strategies you can use to save money on motorcycle insurance.
One way to save money is to shop around and compare quotes from different insurance providers. As an independent insurance agency, we can help you find the best coverage options at the most affordable rates. You may also be eligible for discounts based on factors such as completing a motorcycle safety course or bundling your motorcycle insurance with other types of insurance, such as auto or home insurance.
Get Insured Today
If you’re a motorcycle rider in Florida, it’s important to have the right insurance coverage. Reliant Insurance Services can help you find the right policy for your needs and budget. Contact us today to learn more about our motorcycle insurance options and how we can help you save money on your insurance premiums. Our team of experienced insurance professionals is dedicated to providing personalized service and finding the best insurance solutions for our clients.
Working with an independent insurance agency, like Reliant Insurance Services, has many benefits. We have access to a wide range of insurance providers. This allows us to help you find the right coverage options at the best prices. We also have the flexibility to tailor insurance policies to meet your specific needs and budget, so you don’t have to settle for a one-size-fits-all solution.
In addition to providing motorcycle insurance, we also offer other types of insurance, such as auto insurance, home insurance, and commercial insurance. Bundling your insurance policies with Reliant Insurance Services can help you save even more money on your premiums.