Florida is the best place to own and drive a motorcycle. In fact it is second when it comes to the number of registered motorcycle drivers. While, motorcycle insurance is not required to register a motorcycle here in Florida, you will be responsible for damages sustained during an accident. Do you really have enough money to pay for that out of pocket?
So liability insurance coverage is voluntary not mandatory unless you are in an accident and are at fault. However it is recommended that you purchase Florida motorcycle insurance for your own protection.
Do I have to wear a helmet if I have insurance coverage?
Any motorcyclists over the age of 16 are not required to wear helmets by law according to https://floridainsurancequotes.net/motorcycle-insurance-quote/. Even though this is not a requirement why would you not wear a helmet? A helmet is for your protection and can easily save your life. If you do purchase coverage, and are in a wreck where you had no helmet on, good luck trying to get your company to pay out. Most companies will fight and deny paying because you could’ve avoided personal injury by wearing a helmet in the first place.
Florida is a no fault state, once an accident occurs, motorists will handle all medical claims with their own insurer, no matter who is considered at fault for the accident.
Florida actually doesn’t require that much motorcycle insurance. Instead of any specific coverage, drivers will need to meet a limit when it comes to injuries. You will need to purchase at least $10,000 in medical benefits but this can be from your health coverage.
What’s the recommended coverage for FL motorcycle insurance?
Even though you aren’t required to purchase liability insurance in Florida, it’s recommended that you purchase it. If you are in an accident, have a DUI, or involved in some other type of incident you don’t have it, you will lose your license and other penalties.
It is definitely recommended that you purchase Motorcycle insurance in Florida with :
$10,000 bodily injury protection per person
$20,000 bodily injury per incident
$10,000 property damage liability coverage
You can also decide to purchase additional coverages at https://floridainsurancequotes.net/motorcycle-insurance-quote/. For example, new motorcycle protection, trip interruption coverage, collision coverage, comprehensive coverage, and towing and labor. If you think you may need any of these, you should definitely purchase. Its not a crime to be covered, even in the event that you don’t have to be. Don’t be crazy and drive a motorcycle with no coverage. Shop for your motorcycle insurance in Florida today!