Understanding Florida’s PIP Law
Florida's requirement of motorists obtaining Personal Injury Protection (PIP) coverage was established in the 1970s and has since been a point of contention for drivers and lawmakers. This law, which requires motorists to obtain $10,000 in PIP on top of their standard liability insurance, is designed to protect motorists from paying for accident injuries regardless of who is at fault.
Nevertheless, there are a few exemptions to this law, including motorcycles. Read on to learn more.
Why Are Motorcycles Exempt?
Despite motorcycles being defined as motor vehicles in Florida Statute § 320.01, riders are not required to obtain any form of motorcycle insurance when registering their bike. Because of this, they are exempt from the state's PIP requirements.
For insurance purposes, motor vehicles only include those with four or more wheels. This serves as the basis for the exemption and also extends to other forms of transportation. Mopeds, some tricycles, and certain vehicles designed for "mass transit" (carrying five or more passengers) are also not required to have PIP coverage.
However, since motorcycle insurance is optional, other laws are in place to protect riders following a crash.
What is Required for Motorcycle Riders?
Unsurprisingly, operating a motorcycle can be extremely dangerous. So while Florida doesn't require automobile insurance for riders, you are required to have a minimum of $10,000 in health insurance/medical benefits coverage. This is also a means of supplementing the state's lack of helmet laws for riders over 21.
That being said, the option to obtain motorcycle insurance is always available, and the minimum you would need to carry would be on a 10/20/10 limit, the same for other motor vehicles.
St. Augustine Motorcycle Accident Attorneys
Our Canan Law attorneys are dedicated to protecting the rights of all roadway users. When a motorcycle rider becomes injured by the negligence of another driver, we are here to help.
If you or a loved one is seeking legal representation after a motorcycle crash, call (904) 849-2266 to speak with a member of our team today.