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.
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.
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.
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.
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.
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.
New Driver? 5 Things to Consider When Looking for Driving School
When it comes to choosing a driving school, there are many factors to consider. Not all driving schools are created...
Landscape Irrigation Systems: The Basics
If you’re a homeowner, you know that keeping your lawn and landscaping looking nice can be a lot of work....
5 Things to Look for in Luxury Hotels
When it comes to luxury hotels, there is a lot to look out for. Here are five key things that...
Is There a Difference Between Commercial and Residential Concrete?
If you’re a contractor, you know that concrete is a versatile construction material. But did you know that there are...
5 Tips to Find the Right Litigation Firm
When it comes to selecting the right litigation firm for your legal needs, choosing wisely is of utmost importance. It’s...
Amazing Reason To Embed Google Reviews Widget on Wix
Offering a value is not enough. To survive in the industry, you must market your business in the trustable way...
3 Ways To Take Control Of Your Finances in 2023
It can be so overwhelming trying to take control of your finances, as it can be difficult to know where...
How to market your watch brand?
The luxury watch market has always been a lucrative business, and in 2023 it’s only going to get bigger. Obviously,...
How To Keep Your New Year’s Resolutions
Do you always have trouble keeping up with your New Year’s Resolutions? Start 2023 off on the right foot with...
What Is Stick Welding And When It Is Used
Stick welding, which is also known as shielded metal arc welding or SMAW, is one of the most common types...
5 Maintenance Tips For Your Septic Tank
If you rely on a septic tank, you know how important it is to you and your family. Yet like...
How Banks Are Using AI to improve Their Services?
Almost every industry, including banking and finance, has been significantly affected by artificial intelligence. The industry of banking and finance...
How to Prevent Your Drains from Getting Clogged
A clogged drain might not seem like a big problem to deal with, but that plumbing issue could quickly spiral...
Things you need to do and think about before the renovation project
If you plan on renovating your home anytime soon, there are certain things you should check of your list before...
3 Things You Need To Be Doing To Look After Your Teeth
Many people don’t prioritise looking after their teeth, however it is so important as we only get one adult set...
Tech8 years ago
Creating An e-Commerce Website
Tech8 years ago
Design Template Guidelines For Mobile Apps
Business3 years ago
What Is AdsSupply? A Comprehensive Review
Business7 years ago
The Key Types Of Brochure Printing Services
Law2 years ago
How Can A Divorce Lawyer Help You Get Through Divorce?
Tech5 years ago
When To Send Your Bulk Messages?
Travel11 years ago
Who Else Wants Also Nfl Hat
Tech2 years ago
5 Link Building Strategies You Can Apply For Local SEO