What Insurance Coverage Do Motorcycle Riders Need?

close up view of a motorcycle rider holding their handlebars

Although Florida does not require motorcycle insurance, riders may still choose to obtain a policy to protect them after a crash. However, knowing the amount of insurance to obtain can be tricky, as there are no minimum thresholds to meet to comply with the law. If you are a newly licensed motorcycle rider, here is a general overview of your insurance options.

Motorcycle Insurance Options in Florida

General Liability Coverage

Most motorcycle insurance policies include liability coverage, which covers the costs of injuries or property damage you cause to others while riding. This is important because if an accident occurs and it is your fault, the other party’s medical bills and/or repair costs could be extremely high. Liability coverage can help protect you from paying out of pocket for these expenses.

Comprehensive and Collision Coverage

In addition to liability coverage, you may also want to consider obtaining collision and comprehensive coverage. Collision coverage will cover the cost of repairing or replacing your motorcycle after an accident with another vehicle or object, regardless of who is at fault. Comprehensive coverage provides protection from non-collision-related events, such as theft, vandalism, falling objects, or fire.

Uninsured/Underinsured Motorist Coverage

Finally, consider underinsured/uninsured motorist coverage. This type of coverage will protect you if an at-fault driver does not have adequate insurance. Without this coverage, you would be responsible for any costs associated with the accident and unable to recoup any losses.

Overall, deciding how much insurance coverage is right for you can be challenging, but it’s important to consider all your options to ensure that you are protected while riding. With the proper protection, you can ride with peace of mind knowing that if an accident occurs, you’ll be able to recoup any losses and get back on your bike quickly.

Florida Motorcycle Accident Attorneys

Motorcycle crashes happen every day, and biases in the insurance claims process may make financial recovery more challenging for riders. Fortunately, Canan Law has spent decades helping motorcycle riders and their families pursue compensation after a crash caused by someone else. To discuss your legal options, schedule a free consultation by calling (904) 849-2266.

Canan Law

Serving St. Augustine, FL Since 15