Florida’s Insurance Laws for Motorcycle Riders

Motorcycle insurance is not required in Florida, which means if you are pulled over you will not be ticketed, arrested, or your bike impounded. If you should be in an accident, however, you are responsible for any damages caused in an accident where you are at fault, partially or totally. When you do not have liability insurance and you are in an accident, you are charged under the Florida’s financial responsibility law.

This means that if you are in a Florida motorcycle accident, it could cost you a lot of money out of your own pocket.

The type of insurance that is recommended in Florida for motorcycle riders includes:

  • Liability Insurance – this insurance is what will cover the expenses if you should injure someone, and it will also cover you under the financial responsibility law.
  • Underinsured and Uninsured Motorist Insurance – this type of insurance will cover you if you should be injured by a driver that does not have adequate insurance.

With the risks of riding motorcycles and some of the limitations on insurance coverage for motorcycles, it is important to understand the coverage you have, making sure that any injury you would cause to yourself or someone else is well covered. As Florida motorcycle accident lawyers we see a lot of accidents and the problems that come with not being properly insured.