Motorcycle Insurance and Insurance Issues

The In’s and Out’s of Motorcycle Insurance

In most states, motorcycle insurance laws are comparable to other motor vehicle laws, but in Florida, they are not. Drivers of motor vehicles with four or more wheels in Florida are required to carry personal injury protection (PIP) as part of the Florida no-fault insurance blanket. As long as the claim is filed within 14 days, this will guarantee the payment of medical bills up to $2500. If medical bills resulting from an accident, the PIP will pay the full threshold of $10,000. This PIP is not available to the motorcycle owner even if the owner already carries PIP for another vehicle. Given the fact that injuries in a motorcycle crash are likely to be more severe, the motorcycle rider risks financial disaster following a serious crash.

Call us at 1 (800) 887-5895 or contact us by email to schedule a free consultation with an experienced personal injury attorney.

Motorcycle Registration

According to the DMV, if your two-wheeled vehicle has an engine displacement of more than 50cc, it is considered as a motorcycle in the state of Florida and you must register it. In Florida, the motorcycle rider is not required to carry motorcycle insurance to register their vehicle. However, the driver is held financially responsible if involved in a motorcycle crash. A motorcycle owner has three financial responsibility options:

  • Purchase liability insurance–the most common way to gain insurance coverage
  • Secure a Financial Responsibility Certificate
  • Obtain a Self-Insurance Certificate from the Bureau of Financial Responsibility

Bodily Injury Liability & No-Fault Coverage

Usually, it is acceptable to abide by the guidelines other passenger vehicles follow when it comes to acquiring bodily injury liability insurance. Florida’s minimum liability coverage requirements are:

  • $10,000 for one person bodily injury
  • $20,000 for two or more people bodily injury
  • $10,000 per crash in property damage liability

Florida is a no-fault state when it comes to accidents involving vehicles with four or more wheels. However, no-fault laws do not apply to motorcycles. This means that any motorcycle driver must pursue compensation from the other driver’s insurance for medical bills, lost income, pain and suffering, and damage to the motorcycle. They are not required to meet any threshold or prove the severity of injuries as are drivers of other personal vehicles. It may be beneficial for a motorcycle owner to obtain uninsured motorist (UM) coverage in the case of an accident with a driver who does not carry liability insurance. The number of uninsured motorists in Florida is the second highest in the nation at 24%.

Penalties for Not Having Motorcycle Insurance

While motorcyclists are not required to carry insurance when registering a motorcycle, if you do not have a proof of insurance you could be faced with a suspended driver’s license, suspended registration, or suspended license plate, as well as reinstatement fees that vary between $150 and $500. If you are involved in an accident with no insurance coverage, you may also be required to purchase bodily injury/property damage liability coverage for three years.

Knowledgeable Attorneys on Your Side

Your safety and wellbeing is our number one priority; if you have experienced a motorcycle crash, seek immediate medical attention before contacting an attorney. The experienced legal team at Oldham & Smith have decades of experience handling motorcycle accident cases. If you or a loved one have been injured in a motorcycle accident in Florida or Georgia, do not hesitate to contact us. Remember to always speak to a qualified legal professional before making an insurance claim.

Free Consultation

We do not charge an attorney fee for an initial consultation with you about your motorcycle accident injury case. We also cover all expenses until the end of a case, when we are paid a portion of the funds recovered. If we are unable to recover compensation for you, you do not owe us a fee.

To speak directly with an attorney, please call 1 (800) 887-5895 or contact us by email to discuss your case. We offer a trusted reputation and a solid record of results.

Serving all areas of Florida and Georgia.