Connect with us


Motorcycle Laws In Florida

Motorcycle Laws In Florida

Motorcycle insurance laws differ by state, and this can cause confusion for riders. In Florida, car insurance and motorcycle insurance differs. It is the Florida Financial Responsibility Law that covers insurance requirements for motorcyclists. In order to make an informed decisions about the type of coverage that you need, it is important to know some important facts.

Insurance Summary

Car drivers in Florida are required to carry Personal Injury Protection (PIP) for medical bills and potentially lost wages in the event of an accident. This coverage is required no matter who is at fault. Motorcyclists, however, are not required to carry Personal Injury Protection, although some insurance companies do offer it as an option.

Should a motorcycle accident occur, a rider is not required to show PIP in order to recover funds for pain and suffering.

How to Purchase Required Motorcycle Insurance

Although PIP is not required, motorcycle riders do need to carry insurance, and there are two basic ways to obtain it.

First, coverage can be purchased from an insurance carrier. A rider can also purchase a Self-Insurance Certificate from the Bureau of Financial Responsibility. This certificate will be based upon the rider’s net worth.

Motorcycle Laws In Florida

Requirements for Insurance

The minimum requirements for Florida motorcycle insurance include set amounts for bodily injury and property damage liability. The amounts are:

$10,000 for bodily injury liability to one person

$20,000 for bodily injury liability for two persons

$10,000 for property damage per incident

Motorcyclists can also purchase uninsured motorist coverage to assist with the cost of medical bills, lost wages, and even for pain and suffering if injured. This coverage provides needed funds if another driver doesn’t have the proper insurance, or enough coverage to meet your expenses.

Financial Responsibility

Riders will need to show proof of their financial responsibility. After insurance is purchased, the insurance company sends the Department of Highway Safety and Motor Vehicles information about the insurance policy purchased. Although the DHSMV holds this information in a computer database, all motorcycle riders should keep their proof of financial responsibility with them when they ride. Proof applies to either an insurance card or a self-insurance certificate.


If a motorcyclist does not have the required insurance, penalties can occur. These penalties range from license suspension, motorcycle registration suspension, suspension of license plates to fees paid in order to regain riding privileges.

Helmet Laws

In Florida, wearing a helmet is not required when riding a motorcycle. The law requiring adult riders to wear helmets was repealed in July 2000. Helmet use declined by half. However, helmet use is picking up again, following an uptick in head injuries for riders without helmets.

Head injuries are the chief cause of death for motorcyclists in the state. Traumatic brain injuries are unfortunately common for riders that require hospitalization for any reason. So, although helmets are not required in Florida, staying safe even without a legal requirement makes sense.

Legal Issues

Consulting with an attorney is advisable if a motorcyclist has been involved in a collision.  An experienced attorney will have the knowledge and expertise to fight for your rites.

Continue Reading
Click to comment

You must be logged in to post a comment Login

Leave a Reply

Recent Posts

Autos4 days ago

How Suspension in your Automobile will Improve your Travel

Many people often think of speed, the roar, and the engine when choosing the car they want. Often people do...

Business1 week ago

How Can Product Owner Develop Stakeholder Management Strategy?

All the organizations require a proper stakeholder management-based strategy so that the goals of the organization can be achieved most...

Tech2 weeks ago

How To Display A Live Facebook Feed To Your WordPress Website

Around 22% of the global population uses Facebook. Such a large number of user-base suggests that Facebook truly has the...

wordpress-hosting wordpress-hosting
Tech2 weeks ago

5 Criteria of the Best WordPress Hosting to Know Before Buying

The best WordPress hosting, how to choose it? For many bloggers and website owners, there must be a question that...

Tech2 weeks ago

Agile BI – All You Would Like To Know

The name says it all. As we talk about one of the most revolutionary approaches in the world of business...

Sports3 weeks ago

Feeling Run Down?

We’re currently living through a difficult time for the world. Many of us are forced to remain indoors, working from...

Lifestyle4 weeks ago

8 Best Ways to Save Money When Shopping

If you want to save money when grocery shopping or each time you make a purchase, then you have to...

Travel Mistakes Travel Mistakes
Travel4 weeks ago

7 Travel Mistakes to Avoid

Traveling abroad requires a lot of planning and research to prepare for a trip abroad. Of course, it’s a wonderful...

Business1 month ago

5 Factors to Consider When Choosing Quality Magento Extensions for Your Online Store

It might seem that picking among three thousand available Magneto extensions is a simple and great way to extend your...

Business1 month ago


Internet shopping can be very common and easily turn out to be a favorite choice for buying, since the items...

Home Improvement1 month ago

6 Simple Ways to Prepare Your Home for House Guests

Whether a family is coming in for the holidays or it is your turn to host this month’s book club...

Marketing1 month ago

How to Properly and Efficiently Optimize Your Website for SEO

In today’s crowded online world, a website that’s not optimized for SEO may as well not exist. Unless a customer...

Home Improvement1 month ago

8 Terrible Home Cleaning Mistakes You Might be Making

Knowing how to clean your home correctly is something that nobody teaches you in the formal education system. If you’re...

Life Hacks1 month ago

7 Things You Can Do To Kill Boredom During A Long Flight

Going on a vacation is one refreshing activity and a fun thing to do. Things get a little difficult when...

Home Improvement2 months ago

5 Bathroom Remodeling Tips You Must Know In 2020

The bathroom is one of the most frequently used places in the house. So, it should be most comfortable as...