Florida’s No-Fault Law Does Not Apply to Motorcycles

Florida’s No-Fault Law Does Not Apply to Motorcycles

As a Trinity motorcycle accident lawyer, I want people to be aware that according to Florida law, no-fault only covers vehicles defined as having four or more wheels. That means that motorcycles are excluded from No-Fault law. Three-wheel motorcycles like the Can-Am Spider are also excluded.

What does this exclusion mean for motorcycle drivers?

It means that motorcycle drivers must have property damage liability insurance coverage and bodily injury liability insurance coverage. This is not merely a suggestion. All motorcycle drivers are required by law to carry at least $10,000 in property damage liability coverage and $10,000 of Bodily Injury Liability coverage due to their exclusion from the No-Fault coverage they are not entitled to the waiver from having to purchase those coverages that the No-Fault law provides 4 wheeled vehicles.

If a motorcyclist does not purchase the two coverages mentioned above and is involved in an accident, then the state can suspend the motorcyclist’s driver’s license due to noncompliance.

No immediate coverage

One of the main benefits of no-fault coverage is that in the event of an accident, your insurance company will cover medical bills at 80% immediately since there is no need to determine (or dispute) who is at fault before paying the claim. Unfortunately, since motorcycles are excluded from no-fault coverage, a motorcyclist who is involved in an accident will not receive immediate coverage for medical bills unless they have purchased Medical Payments coverage for motorcycles, or carry health insurance.

Therefore, I highly recommend all motorcyclists protect themselves by purchasing additional insurance coverage, such as Medical Payments coverage which pays your medical bills at 100 percent up to the limit purchased, as well as Uninsured/Underinsured Motorist coverage which will potentially pay for your bodily injury damages if the at-fault party does not carry Bodily Injury Liability coverage, or does not have enough coverage to fully cover your damages.

If you have any other questions about motorcycle insurance or motorcycle accidents, or if you need a personal injury attorney in Trinity, New Port Richey, Spring Hill, Brooksville or Inverness who specializes in motorcycle accidents, please contact the Law Office of Charles S. Philips. Our team would be happy to help you.

-Chuck