In Florida, motorcycle insurance is not required in order to register your motorcycle in Florida. The No-Fault or “PIP Law” that most know about and have on their cars does not apply to motorcycle riders. There is a provision that says that if you are in an accident and you are financially responsible for bodily injuries and property damage to others, that if no liability coverage was in effect at the time of the accident, then bodily injury/property damage liability insurance must be purchased and kept for 3 years to avoid your license and tag/registration from being suspended.

Also, in 2000, the state of Florida requires helmets to be used by riders under the age of 21 and that anyone that does not use a helmet to carry a minimum of $10,000 medical insurance coverage.

In addition, the PIP coverage you may have on your car at home will not cover you while you are on your motorcycle. We strongly recommend that you buy PIP coverage and more than the minimum $10,000. In most severe motorcycle accidents, $10,000 really is not enough. Also, it is important to talk to your insurance agent and make sure your car and motorcycle polices can stack so that you can take full advantage of all the policies you have.

We also recommend you get property damage, bodily injury and uninsured coverage. If you are in an accident and damage is done to another person’s car or if you are injured, in that almost 30% of all drivers on the roads of Florida are uninsured, it is strongly recommended that you have “full” coverage and get uninsured coverage. You can never have enough insurance coverage.

If you questions, please call and speak to either attorney Andrew S. Alitowski or William Ryan Moore at 888-ASK-ANDREW (275-2637) or contact us online. We are available 24 hours a day, 7 days a week.

If you are injured…Ask Andrew!!!