Florida motorcycle laws are unique compared with most other states. In most states motorcycle insurance laws are comparable to other motor vehicle laws but in Florida they are not. Drivers of motor vehicles in Florida, with four or more wheels, are required to carry personal injury protection (PIP) as part of the Florida no fault insurance blanket. This will guarantee the payment of medical bills up to $2500 as long as the claim is filed within 14 days. If the medical bills resulted from an emergency, as certified by a medical professional, the PIP will pay the full threshold of $10,000. This PIP is not available to the motorcycle owner even if the owner already carries PIP for another vehicle. Given the fact that injuries in a motorcycle crash are likely to be more severe, the motorcycle rider is at greater risk of financial disaster following a serious crash.
Florida motorcycle insurance requirements are based upon the financial responsibility of the owner against liability. The motorcycle owner is not required to carry insurance to register a motorcycle. However, the driver is held financially responsible if charged in a motorcycle crash. A motorcycle owner has three financial responsibility options to choose from.
The states minimum liability coverage requirements for other passenger vehicles are guidelines that can be used to determine the amount of coverage needed.
Florida is a “no fault” state requiring personal injury protection coverage for your personal vehicle of four wheels or more. No-fault coverage ensures that all medical bills will be paid regardless of who was at fault in an accident. No-fault laws do not apply to motorcycles. This means that any motorcycle driver must pursue compensation from the other drivers insurance for medical bills, lost income, pain and suffering and damage to the motorcycle. They are not required to meet any threshold or prove the severity of injuries as are drivers of other personal vehicles. It is potentially beneficial for a motorcycle owner to obtain uninsured motorist coverage (UMC) in the case of a collision with a driver who does not carry liability insurance. The number of uninsured motorists in Florida is the second highest in the nation at 24%. That is just below 1 in 4 drivers on Florida roads without liability insurance.
Although motorcycle insurance is not required to register a bike in Florida, there are penalties if you are involved in an accident and do not have insurance. If you were charged with an accident, you are financially responsible for the bodily injuries and property damage. If no liability coverage was in effect at the time of the accident you could face serious ramifications including:
In other words, motorcycle coverage is not mandatory until after you have caused an accident.
A large percentage of motorcycle accidents are the fault of another driver, contrary to public perception. If you are involved in a motorcycle accident you should contact an experience motorcycle accident attorney as soon as possible. The attorney will have a thorough understanding of the complex Florida insurance system. You may be entitled to compensation for medical bills, lost income, pain and suffering and damage to you motorcycle.
Dolman Law Group has successfully represented many victims of motorcycle crashes recovering large cash settlements. Reach out to us today for a free consultation. Do not wait as time can adversely affect your case. Call for a free consultation today at 727-451-6900.
Dolman Law Group
800 North Belcher Road
Clearwater, FL 33765