| The laws pertaining to Florida motorcycle insurance | | | | treatment if you are injured while on your bike, if |
| have been a source of confusion for many | | | | you damage someone's property in an accident in |
| motorcycle owners in the state of Florida. Many | | | | which you are at fault, then you could be facing even |
| motorcycle owners falsely assume that their | | | | higher costs. Property damage liability coverage |
| automobile insurance extends to cover them when | | | | protects you if you cause an accident out of |
| they are on their motorcycle, or that if they are hit | | | | carelessness or neglect. Any Florida motorcycle rider |
| by a motorist, that motorist's insurance will cover the | | | | should have this type of coverage. |
| damages. This simply is not true. | | | | Uninsured Motorist Coverage |
| The fact of the matter is, the PIP insurance | | | | Simply making sure that you are covered in the |
| coverage that you carry on your primary vehicle | | | | event that you cause an accident while one your |
| does not apply to your motorcycle. If you are hit by | | | | motorcycle isn't necessarily enough. Sadly, there are a |
| another motorist and that driver carries only the | | | | number of motorists out there who have little regard |
| state minimum insurance, then chances are great that | | | | for the law and do not carry the mandatory bodily |
| their coverage will be insufficient to cover the | | | | injury liability coverage. Unfortunately, if you are hit |
| damages, either. In short, driving a motorcycle | | | | by one of this reckless and irresponsible drivers then |
| without Florida motorcycle insurance is a major | | | | you are left to shoulder the financial burden for |
| gamble. | | | | medical expenses and replacing your damaged |
| PIP Coverage | | | | property. |
| Most Florida motorists are familiar with PIP coverage. | | | | Even if the other motorist is insured, there is no |
| This is the state of Florida's minimal requirement for | | | | guarantee that their coverage will be sufficient to |
| vehicle insurance. Because Florida is a no-fault state, | | | | cover all of your expenses. The minimum coverage |
| this PIP coverage will pay out 80% of a drivers | | | | requirement in Florida is only $10,000 and medical |
| medical expenses, plus 60% of lost wages from | | | | expenses for serious injuries can easily reach ten |
| work missed due to injury, regardless of who was at | | | | times that amount. Carrying additional coverage for |
| fault in the accident. If you own a car in addition to | | | | yourself is the best way to make sure that you can |
| your motorcycle, then you at least have this minimal | | | | pay your medical bills if you get injured while on your |
| insurance. | | | | bike. |
| However, your PIP coverage does not extend to | | | | Every year, thousands of motorcyclists are injured in |
| cover you while you are on your bike. This means | | | | Florida. If you ride a motorcycle in Florida and aren't |
| that if you injure someone while on your bike, you | | | | protected with adequate insurance then you are |
| are unprotected and responsible for the expenses. | | | | taking a huge risk with your safety and your |
| This can turn even the slightest accident into a | | | | finances. Having Florida motorcycle insurance may not |
| financially crippling ordeal. | | | | be mandatory in Florida, but not carrying it is just as |
| Property Damage Liability | | | | foolish as hoping on your bike without proper safety |
| Beyond the potentially major expenses of medical | | | | gear. It's just not worth the risk. |