Florida Motorcycle Insurance
Florida Insurance Requirements and Suggestions
The Motorcycle Lawyer sm and Bryan Crews do not sell motorcycle insurance and are not insurance agents. This page is meant to inform and educate, to help you gain a better understanding of insurance policy terminology. Remember, while we always aim to provide the most up-to-date information, insurance laws and requirements are subject to change. The information contained below does not represent a complete insurance picture. Talk to your iinsurance agent to find out what policy will best protect you.
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Required insurance for Florida motorcyclists:
Under current laws, Florida does not require that you carry insurance on your Florida motorcycle. Florida No-Fault Law does not apply to motorcycles.
The Florida Financial Responsibility Law requires minimum insurance coverage with the following insurance coverage*:
- Bodily Injury (BI) Liability (1 Person): $10,000
- Bodily Injury Liability (All Persons, 1 Accident): $20,000
- Property Damage Liability: $10,000
- Combined Single Limits Policy: $30,000
The main point of the Florida Financial Responsibility Law is that Florida motorcycle and motor vehicle owners must carry extra insurance if they have done any of the following*:
- You were found to be at fault for a previous accident.
- You were found to be at fault for a previous accident where injuries occurred.
- You previously had a DUI and your license was revoked.
- Your license was revoked for being a “Habitual Traffic Offender”.
- You had a license suspension for excessive points on your driver’s license.
- Your license was revoked for any serious offense.
If you fall into any of the above categories, you are required to carry additional liability insurance. You are required whether you own a Florida motorcycle OR a Florida motor vehicle.
The Florida Financial Responsibility Law is outlined in Chapter 324 of the Florida Statutes. The Florida Financial Responsibility Law can be read in its entirety at this web address: http://www.flsenate.gov/Statutes/index.
*Technically, these do not apply to Florida motorcyclists. Talk to your insurance agent to find out what coverage you need.
Uninsured Motorist (UM) Coverage
- If you are injured in a motorcycle accident, the negligent person's BI liability coverage should pay your medical bills, lost wage and pain & suffering. Unfortunately, many times the bills exceed their policy, or maybe they just don’t have insurance at all. Protect yourself by having Uninsured Motorist coverage. This optional coverage will protect you and cover the difference in your bills. More often than not, BI policies are not enough to cover you.
- UM includes underinsured motorist (UIM) coverage. In order to have this insurance, your UM has to be at least as much as bodily injury liability coverage purchased (usually $10,000), unless specifically rejected.
- This is not required, but we highly recommend it.
Testimonials
"Jason made the insurance
company pay us over
$1,000,000 on our motorcycle
accident injury. He made
them pay my wage loss and
medical bills and didn't charge
a fee on the no-fault benefits."
Ray D. - Biker
