Understanding Florida’s Motorcycle Insurance Requirements
Liability Insurance
There is no legal requirement for motorcyclists to carry liability insurance in Florida. However, you must be able to show proof of “financial responsibility” if you cause an accident.Three Ways to Show Proof of Financial Responsibility:
- Purchasing liability insurance
- Obtaining a surety bond
- Obtaining a certificate of self-insurance
Minimum Limitations of Liability Insurance: Proof of Financial Responsibility
The most common way to demonstrate financial responsibility is by purchasing liability insurance with the following minimum limits:- $10,000 in bodily injury per person
- $20,000 in total bodily injury per accident
- $10,000 in property damage per accident
Medical Benefits Protection
Florida requires minimum medical coverage for riders who are 21 and older who do not wear a helmet. For these riders, Florida requires a minimum of $10,000 in medical benefits protection (health insurance or personal injury protection (PIP) insurance). If you are over 21 and wear a helmet, Florida’s motorcycle insurance requirements do not require you to have medical benefits protection.Recommended vs. Required
If you’re ever involved in a motorcycle accident, you will likely wish you had every type of insurance coverage available, even though Florida law does not require it. Insurance is something we all dread paying for until an accident occurs and we need coverage. Read more about what insurance coverage is required and recommended here (link to ABCs of Insurance Coverage).We Can Help!
If you need help understanding Florida’s insurance coverage types and required limits, contact Casas Law today. Our experienced attorneys will explain Florida’s motorcycle insurance requirements and review your current policy, as well as give you their recommendations regarding suggested coverage types and limits. Casas Law does not sell insurance, so why do we offer this free consultation? We want all Florida drivers to be properly insured so that if they are involved in an accident, they have coverage for themselves and anyone they have injured. Schedule your free insurance review today!
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