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  • Your license or registration was revoked or suspended for any reason including (but not limited to) a serious offense (driving or no-driving), a Driving while Intoxicated or a Driving Under the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:

  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.

Stephen K. Brooks
Author: Stephen K. Brooks

Steve was born in New Orleans, Louisiana. As was the practice for new doctors his father worked day and night during his medical residency at Charity Hospital there. Steve comes from a long line of doctors. His father, his grandfather, his great grandfather, even two uncles were all specialists and/or surgeons in their chosen medical specialties, including internal medicine specialist, obstetrics / gynecology, neurosurgery and general practice / surgery. His great-great grandfather was the Surgeon General of Ohio during the Civil War.