| The road can be a dangerous place for bikers. Florida | | | | Motorcyclists that fail to carry Florida motorcycle |
| is no exception, by any means. In fact, Florida | | | | insurance with coverage for property damage and |
| exemplifies the numerous dangers that face | | | | for bodily injury liability can lose their license, tags and |
| motorcyclists on the road. Along with the rapid | | | | registration. They can also be held liable to make |
| growth and development of many parts of Florida, | | | | financial restitution for damages and injuries. Those |
| especially along the Pacific Coast and the Bay Area, | | | | who receive such penalties may also find that they |
| come more motorists. Any experienced biker knows | | | | then are required to demonstrate proof of SR22 high |
| that it doesn't matter how skilled you are on your | | | | risk liability insurance coverage for a period of 3 years |
| bike, you can't control the incautious motorists in their | | | | in order to even keep their license, regardless of |
| cars that just don't seem to pay attention to bikers. | | | | whether they continue to retain ownership of their |
| Everyone hopes to avoid a major accident, but the | | | | bike or even a car. |
| knowledge is always there that sometimes things | | | | This means that choosing to not carry Florida |
| just happen. Most bikers take every precaution with | | | | motorcycle insurance leaves you at risk of losing your |
| safety gear and making sure that they are keenly | | | | ability to ride or can force you into getting much |
| aware of other motorists on the road. However, | | | | more expensive insurance than if you simply chose |
| when the worst happens, a motorcyclists needs to | | | | to get basic property damage and bodily injury liability |
| be protected with adequate Florida motorcycle | | | | coverage voluntarily. So, the freedom to not carry |
| insurance. | | | | Florida motorcycle insurance is really a catch-22 for |
| Is Motorcycle Insurance Required in Florida? | | | | Florida bikers. It's like wearing a helmet - just because |
| Florida is one of only two states that currently does | | | | you don't have to, doesn't mean it's smart to not do |
| not require that bikers carry motorcycle insurance. | | | | it. Failing to carry basic insurance is a really foolish risk. |
| However, the "PIP Law" is applicable to bikers. This | | | | Other Consequences |
| means that if you drive a moped, motorcycle or a | | | | You can lose a lot more than your license and your |
| motorcycle with a sidecar then you are subject to | | | | ability to carry low-risk/low-cost insurance, too. If you |
| Florida's No-Fault financial responsibility law. So, while | | | | damage someone's property or injure someone with |
| you are not legally required to carry insurance, it is | | | | your motorcycle and aren't carrying Florida |
| highly advisable. | | | | motorcycle insurance then you are liable for 100% of |
| Why is it so important to carry Florida motorcycle | | | | the cost of paying for damages, legal expenses and |
| insurance even though the law doesn't require it? | | | | medical expenses for the other party. Court fees, |
| Because if you are in an accident, arrested for DUI or | | | | replacing lost property and medical bills can pile up |
| pulled over for any other offence that falls under the | | | | very quickly. Without Florida motorcycle insurance to |
| circumstance outlined in Florida's Financial Responsibility | | | | absorb the bulk of the cost, you're unfortunate |
| Law, chapter 324, then you could be subject to | | | | motorcycle wipe-out can turn into a complete |
| heavy penalties. | | | | financial wipe-out too. |
| What If I Don't Have Florida Motorcycle Insurance? | | | | |