# Suggested Insurance Coverage for Motorcycle Owners | Brooks Law Group

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](https://brookslawgroup.com/florida/motorcycle-accident-lawyer/). 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- Your license or registration was revoked or suspended for any reason including (but not limited to) a serious offense (driving or no-driving), a Driving while Intoxicated or a Driving Under the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:**

1. **Med Pay**
  - None required unless you qualify under one of the exception categories (mentioned on the previous page)
  - Minimum Advised – $10,000
2. **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
3. **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
4. **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](tel:+18005293030) or complete a [Free Case Evaluation form](/contact-us/)

Motorcycle Accidents Blog Posts:    [![Wrecked motorcycle lying on its side.](https://brookslawgroup.com/wp-content/uploads/2023/05/LTB-Blog-1-300x251.jpg)](https://brookslawgroup.com/blog/top-5-causes-of-motorcycle-accidents-in-tampa-bay/)

### [Top 5 Causes of Motorcycle Accidents in Tampa Bay](https://brookslawgroup.com/blog/top-5-causes-of-motorcycle-accidents-in-tampa-bay/)

Motorcycles are a way of life in Central Florida. In Tampa, bikers enjoy the sunshine and open skies while breezing

[![Santa hat on motorcycle handle](https://brookslawgroup.com/wp-content/uploads/2024/01/englewood-teen-biker-killed-in-dui-accident-a-warning-to-motorcyclists-this-holiday-season-300x251.jpg)](https://brookslawgroup.com/blog/englewood-teen-biker-killed-in-dui-accident-holiday-season-risks/)

### [Englewood Teen Biker Killed in DUI Accident: Holiday Season Risks](https://brookslawgroup.com/blog/englewood-teen-biker-killed-in-dui-accident-holiday-season-risks/)

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[![Deadliest Highways In Florida](https://brookslawgroup.com/wp-content/uploads/2022/09/car-crash-tampa-compress-300x207.jpeg)](https://brookslawgroup.com/blog/defensive-driving-lessons-from-a-fatal-tampa-motorcycle-crash/)

### [Defensive Driving Lessons from a Fatal Tampa Motorcycle Crash](https://brookslawgroup.com/blog/defensive-driving-lessons-from-a-fatal-tampa-motorcycle-crash/)

Motorcycle accidents take the lives of countless bikers each year, and sadly, another individual was killed Saturday

[![Motorcycle parked on a Florida road](https://brookslawgroup.com/wp-content/uploads/2022/11/LTB-blog-1-2-compress-300x251.jpg)](https://brookslawgroup.com/blog/fewer-wheels-more-risk-what-polk-county-motorcyclists-need-to-know/)

### [Fewer Wheels, More Risk: What Polk County Motorcyclists Need to Know](https://brookslawgroup.com/blog/fewer-wheels-more-risk-what-polk-county-motorcyclists-need-to-know/)

Central Florida is a prime destination for bikers all over the United States. Our beautiful weather, gorgeous lake

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Source: https://brookslawgroup.com/blog/suggested-insurance-coverage-for-motorcycle-owners/