Motorcycle Insurance Florida - A Guide to Motorcycle Insurance in Florida

In Florida you are not legally required to have motorcycle insurance. This means that if you are pulled over and do not have proof of insurance you will not arrested or have your bike impounded. However, that does not mean you are not responsible for damages you cause in an accident. If you are in an accident, and it is totally or partially your fault, and you have no liability insurance you will be charged under Florida’s financial responsibility law found in Chapter 324 of the Florida Statutes. This means that while you do not need to legally have insurance while you are riding, you do need to have it in an accident. It seems a bit silly, but that is the way it is. Not having motorcycle insurance in Florida is a major risk.

In Florida you cannot get personal injury protection for a vehicle with fewer than four wheels. This means that even if you have full coverage on your bike, you probably do not have medical payment or injury coverage. Some people think that their health insurance will cover them, but many health insurance plans exempt dangerous sports and activities such as riding. It is also a good idea to get under and uninsured motorist protection. Many drivers in Florida have no insurance, or only very basic plans. Under and uninsured motorist protection will cover you if the other driver is at fault and has little or no coverage. Be aware that uninsured motorist coverage does not help you if you are at fault, and that some insurance companies have separate plans for under and uninsured motorist protection. If you have uninsured motorist protection, it may not help you if the other driver is only under-insured. (Read our detailed guide to Florida Motorcycle Insurance here)

In 2000 the state of Florida overturned the mandatory helmet law and made it so that adults can ride without a helmet if they have medical insurance of over ten thousand dollars. Since this law passed the rate of motorcyclist fatalities has risen by over forty-eight percent. This indicates that riding without a helmet can greatly increase your risk of injury or death. Florida has a good rider-training program called the Florida Rider Training Program or FRTP. Studies have shown that graduates of an accredited rider-training program have a much lower chance of being in an accident. Some studies have found a reduction in accidents of over fifty percent when the rider has gone through additional rider training.

Rider training can not only save your life but reduce your insurance rates as well. Many insurance companies will offer lower rates to riders with rider-training certification. And the additional years of accident-free riding can also lead to lower rates down the line since most insurance companies reward long-time riders with clean records.

 

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