When it comes to motorcycle insurance coverage, there’s a lot of misinformation out there. Do motorcyclists truly need any insurance? What about Florida’s no-fault law; does that provide any coverage?
As a motorcycle accident attorney in New Port Richey, I’ve handled numerous motorcycle accident cases and understand the difficulties motorcyclists face when they lack the proper insurance coverage.
First of all, if you are going to drive a motorcycle you must have motorcycle insurance. That’s the bottom line. It is illegal to drive a motorcycle without insurance.
It’s crucial to understand, however, that these coverages will not come from Florida’s no-fault law. As the statute is written, motorcycles are excluded from the no-fault law. Therefore, motorcycles are not able to receive any kind of no-fault coverage benefits. According to Florida no-fault law, a vehicle is defined as having four or more wheels. Motorcycles, both two- and three-wheel models, are completely excluded from this law and drivers must purchase insurance.
What kind of insurance does a motorcyclist need in the state of Florida?
You must purchase at least the legally required minimum, which is bodily injury liability insurance in the amount of $10,000 and property damage liability insurance in the amount of $10,000. If you were to be involved in an accident with no insurance, your driver’s license would be suspended.
Additionally, Florida law does not require an automobile owner to carry Bodily Injury Liability coverage. This means if you are driving a motorcycle and you are in an accident with an automobile that is not your fault, you cannot count on the at-fault party having coverage (Bodily Injury Liability) to pay for your medical bills, lost wages, and other damages from your injuries.
For this reason, 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 you purchase, plus 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 of that coverage to fully cover your damages.
If you have any questions concerning motorcycle insurance coverage, you are encouraged to contact my office. If you or a loved one have been in a motorcycle accident and need a personal injury attorney in New Port Richey, Spring Hill, Brooksville or Inverness to advise you and help you get the compensation you deserve, please contact me so we can discuss your case.