Florida is an ideal place to own and ride a motorcycle. It is second in terms of the number of registered motorcycle drivers. However, Florida does not require motorcycle insurance to register a bike. However, authorities will hold you responsible for damages sustained during an accident. Do you have enough money to pay for that out of pocket?
Liability insurance coverage is voluntary, not mandatory, unless you are involved in an accident or found at fault. However, Florida Insurance Quotes recommends purchasing Florida motorcycle insurance for your protection.
Do I Have To Wear A Helmet If I Have Insurance Coverage?
Florida does not require motorcyclists over 16 to wear a helmet. Even though it is not a requirement, why wouldn’t you wear a helmet? A helmet is for your protection and can easily save your life if you purchase coverage and are involved in a wreck without wearing one. 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 insurer, regardless of who the police consider at fault.
Florida doesn’t require a lot of motorcycle insurance. Instead of any specific coverage, drivers must meet a limit for injuries. You must purchase at least $10,000 in medical benefits, which your health insurance can cover.
What’s The Recommended Coverage For Florida Motorcycle Insurance?
Although you aren’t required to purchase liability insurance in Florida, we recommend that you do. If you are in an accident, have a DUI, or are involved in an incident you don’t have, you will lose your license and face other penalties.
Florida Insurance Quotes recommends that you purchase Motorcycle insurance in Florida at https://floridainsurancequotes.net/motorcycle-insurance-quote/ with at least the following:
- $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 coverage. For example, new motorcycle protection, trip interruption coverage, collision coverage, comprehensive coverage, towing, and labor. If you think you need any of these, consider purchasing them. It’s not a crime to be covered, even if you don’t have to be. So, don’t be reckless and ride a motorcycle without coverage. Shop for your motorcycle insurance in Florida today!