The most common misconception by motorcycle owners is they believe they will be covered by their auto insurance or by the other driver’s insurance if they are involved in a motorcycle accident. In Florida, insurance is not required for the owner and/or rider of a motorcycle. However, you are required to have $10,000 in Med Pay coverage if you are under the age of 21 or do not wear a helmet. When you are over the age of 21, coverage for drivers or riders can be provided by a health insurance policy or medical payment coverage on a motorcycle policy.
You are required to have Property Damage and Bodily Injury insurance IF:
- You were found to be at fault for a previous accident where injuries occurred. Florida Statute, 324.021
- Your license or registration was revoked or suspended for any reason including (but not limited to) a serious offense (driving or no-driving), a Driving while Intoxicated or a Driving Under the influence conviction, motor vehicle violations, and failure to pay a civil judgment due to a motor vehicle accident. Florida Statue, 324.023
Brooks Law Group recommends you get Motorcycle Insurance in the following amounts:
- Med Pay
- None required unless you qualify under one of the exception categories (mentioned on the previous page)
- Minimum Advised – $10,000
- PD Insurance
- None required unless you qualify under one the exception categories (mentioned on the previous page)
- Minimum Advised – $10,000
- Required if you qualify under one of the Florida Statute 324.011 exception categories – $10,000 minimum for property damage
- BI (Bodily Injury)
- None required unless you qualify under one the exception categories (mentioned on the previous page)
- Strongly advised – $100,000 for bodily injury or death to one person and $300,000 for bodily injury or death to two or more people; or more if possible
- Required if you call into one exception categories: a minimum of $10,000 for bodily injury or death to one person and $20,000 for bodily injury or death to two or more people
- UM (Uninsured Motorist or Underinsured Motorist)
- None required
- Strongly Advised – $100,000/$300,000; or more if possible
- Minimum Advised – $10,000 (however, if you are in an accident this would maybe cover 1 day in the hospital…MAYBE).
For more information about Motorcycle Accidents, Insurance Coverage for Motorcycle Owners and Riding Tips in Florida, you can request a free copy of our consumer guide titled: Florida Motorcycle Accidents, located on the front page of our website in the Consumer Guides box.
Call or text 800 529 3030 or complete a Free Case Evaluation form
