Do you legally need to have motorcycle insurance to ride in Florida? The answer is no. According to Florida law, a motorcycle owner can register the vehicle even without insurance. So the real question is should you obtain motorcycle insurance in Florida. The answer to that question is a resounding yes for the following reasons.
Benefits of Motorcycle Insurance
In case of an accident, the motorcyclist without insurance is personally financially liable for any damage and injuries caused to another party if they are found responsible for the accident. This means that without the protections of insurance coverage, the entirety of financial expenditures you may be required to make to compensate another for injuries resulting from an accident you caused will have to come out of your personal pocket.
This means almost everything you own in your life becomes potential collateral for compensating the injured victim of an accident that is determined to be your fault. Your home, your salary, your personal possessions all may be subject to being taken and sold to afford the expenses that amount from a personal injury case against you when you are without insurance.
On the contrary, with motorcycle insurance, a personal injury claim is handled by the insurance company, and the expenses of compensating the victim driver in the case that you caused an injurious accident will primarily be covered under your insurance policy’s liability coverage.
Furthermore, if you are involved in an accident that is not your fault, without insurance, you could be waiting a long time before receiving compensation from the other party, whereas you could be entitled to payments sooner following an accident if you hold Florida motorcycle insurance.
It is clear that a motorcyclist in Florida is indeed safer and better off with motorcycle insurance. If you do choose to purchase motorcycle insurance in Florida, state law mandates minimum liability coverage comparable to that of passenger cars. This amounts to $10,000 in liability insurance for personal injury. If you have two riders on the bike, state law mandates you have at least $20,000 in personal injury coverage. To be best prepared, it would be smart to obtain motorcycle insurance coverage with an uninsured motorist coverage, as well.
Seeking Assistance from a Boca Raton Motorcycle Accident Attorney
If you were involved in a motorcycle accident and suffered injuries, you want Demand The Limits Personal Injury Attorneys on your side. Given that no-fault coverage rules don’t apply to motorcycle accidents in Florida, you can’t depend on your motorcycle insurance to cover the expenses associated with a motorcycle accident if you should become a victim. You need to obtain compensation from the parties responsible for your accident, and in order to accomplish that, you need a dedicated team of personal injury lawyers with an established track record and a substantial network of resources. To obtain a consultation for your case, contact us online today or call 561-600-3555 to get connected with one of our Boca Raton motorcycle accident lawyers.
