Motorcycle Insurance: Do You Need It In Florida?

Motorcycle insurance protects Florida riders against unexpected expenses due to covered accidents and perils. However, it comes at a cost as you will have to pay premiums. That is why many may be wondering whether it is a necessary purchase or not.

State Rules


Unlike other states, the motorcycle laws of Florida are not similar to the regulations governing other motor vehicles. While drivers of cars are not allowed to be behind the wheel without at least the minimum coverage requirements, motorcycle riders do not need to buy and maintain an insurance policy.

Generally, riders can register a motorcycle without carrying insurance. However, that means the driver will be held liable for payments if they are charged in a motorcycle crash.

The no-fault coverage law in the state does not apply to motorcycles. So, if you get involved in an accident caused by another driver, you will have to pursue compensation from the insurance of that driver. These include payments for your medical bills, pain and suffering, damages to your motorcycle, and lost income.

While asking them to pay for your expenses covered by the other driver’s insurance may seem like a simple process, the insurer is not required to meet any threshold. To prevent such cases, it may be a good idea to consider getting uninsured motorist coverage.

According to the Insurance Information Institute (III), 20.4% of motorists in Florida are uninsured. Having uninsured motorist insurance will protect you against huge expenses if you are in an accident and the driver at fault does not have insurance.

Possible Penalties


As stated earlier, the state does not require riders to have motorcycle insurance. However, there are repercussions if you get in an accident and you do not have coverage.

If you are charged with an accident, you will be responsible for all expenses related to bodily injuries and property damage the other party incurs. If you are proven to not have liability coverage at the time of the accident, there may be ramifications. These include:

• Suspension of driving privileges
• Suspension of registration and tag
• Required to have bodily injury and property damage liability coverage for three years
• Issuance from a court of a civil judgment against you

To put it simply, you are not required by law to purchase motorcycle insurance. However, you will need it if you cause an accident.

Working with a Lawyer


If you become a victim of a motorcycle accident, you can pursue compensation for damages and injuries you suffered because of it. The insurance provider of the person at fault will pay for the expenses you incur. If they are uninsured, your uninsured motorist coverage will pay.

However, some victims end up having to take their cases to court. That is especially true if the parties liable for the injuries do not want to take responsibility.

In such a case, a motorcycle accident lawsuit may be necessary. That said, not all victims of motorcycle accidents can take this legal action. The plaintiff has to be suffering from severe damages due to the accident. They should also prove that the accident that caused the injuries occurred due to the defendant’s negligence. Additionally, there are also other legal requirements and processes. Thus, the assistance of a motorcycle accident lawyer is needed.

If you get in a motorcycle accident, it is best to get legal consultation as soon as possible. That is because experienced motorcycle accident lawyers can help ensure that you get proper compensation from the parties responsible and assist you with a lawsuit if needed. If you need legal assistance in Florida for a motorcycle accident case, contact Justice Pays.

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