Buying Motorcycle Insurance in Florida
Florida does not require motorcycle riders to carry insurance for their vehicles — but Fort Myers motorcycle accident lawyers always recommend purchasing a comprehensive policy. The monthly or bi-annual payments are minimal compared to the amount of financial protection you can receive in the event of an accident.
Additionally, although you are not mandated to have motorcycle insurance, Florida’s Financial Responsibility Law applies to all motor vehicles, including motorcycles. In other words, if you are involved in a crash, it’s your fault and you do not have liability insurance, you may be charged with a failure of the Financial Responsibility Law and the police may take your driving privileges away. Moreover, if you choose to ride a motorcycle without a helmet — which is legal for riders over the age of 21 — you must carry proof of $10,000 in medical insurance.
Before purchasing a motorcycle plan, it is advisable to speak with Naples accident attorneys who understand personal injury and insurance law. In Florida, Personal Injury Protection (PIP) is not available for any vehicle with less than four wheels. However, look for a plan with the following types of coverage:
- Bodily injury liability coverage, for your injuries and injuries of others involved
- Collision coverage, for damage to your motorcycle
- Accessories coverage, for damage to your helmet and other accessories
- Physical damage coverage, for damage not caused by an accident, such as theft or vandalism
- Uninsured/underinsured motorist coverage, in the event someone else causes an accident and does not have motor vehicle insurance to cover your damages
The law office of Viles & Beckman, LLC helps injury victims recover the compensation they so desperately need and deserve. Contact our firm for a free case evaluation at no cost or obligation.