Connect with us

Law

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.

Penalties

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.

Recent Posts

Home Improvement19 mins ago

How To Add More Value To Your Home

If you have some spare cash in the bank, it is likely you would like to spend it on your...

Lifestyle2 days ago

What is a Deep Plane Facelift

Cosmetic surgery is a choice that needs a lot of research and when it comes to thinking about a facelift...

Entrepreneur2 days ago

Unveiling the Demand for Digital Marketing Courses: A Comprehensive Analysis

In recent years, the realm of marketing has undergone a seismic shift propelled by the digital revolution. As businesses increasingly...

Home Improvement2 weeks ago

What Does an Effective Wardrobe Spring Clean Entail?

Spring is upon us which means one thing and one thing only. It is time for the annual purge of...

Business2 months ago

Your Basic Guide To Creating A Unique Investment Blog

Starting your own blog is great and once you get the ball rolling, it can be a good passive income...

Business2 months ago

3 Low-Risk Ways To Get Your New Business Started

Once you’ve got an initial business idea and believe that it will be a success, there are some basic things...

Lifestyle2 months ago

Conquering the Co-free Zone: Tips for Thriving as a Remote Worker

Adjusting to an office environment can come with its downfalls in the sense that it might be a shock to...

General3 months ago

3 Ways To Take Control Of Your Finances Starting Now

If your finances have taken over and are bringing stress to your life, we understand just how overwhelming it can...

Travel5 months ago

Best Places To Visit In The North Of England

If you live in England, you will know there are many different places to visit for the weekend. There are...

General5 months ago

Green Home Improvement Ideas

In a world where environmental concerns are growing, the concept of “green” has gone beyond a trendy catchphrase and is...

Lifestyle5 months ago

How to Host an Unforgettable House-Warming!

The time has finally come. You have moved into your dream pad, and are officially adulting in your very own...

Autos5 months ago

A Guide to Parking Lot Striping

The journey to a well-striped parking lot begins with the right paint. In this brief guide, we’ll unravel the mystery...

Business8 months ago

Business Tips For Protecting Your Finances During A Recession

In 2023, taking the necessary steps to protect your finances for your business is now more important than ever. The...

Lifestyle9 months ago

Tips For Cleaning Your Trainers

If you’re into your trainers and streetwear, you’re likely to be very conscious of keeping them looking their best! So,...

Marketing9 months ago

Branding Trends For Start-Ups in 2023

Branding is incredibly important as it impacts how your business reaches and connects with its target market. If you’re branding...

Categories

Archives

Trending