Understanding and Obtaining Motorcycle Insurance in Florida

With Florida’s warm weather, beautiful cities and sprawling beaches it’s no surprise some Florida residents will choose to purchase a motorcycle. Because of its mild winters and autumns, Florida offers motorcycle owners the opportunity to enjoy their bike nearly year round.

Understanding the laws of Florida motorcycle insurance can be complicated and confusing for first time motorcycle owners or new residents. Unlike with auto insurance, in Florida it is not required to present proof of insurance when registering a motorcycle. An owner who owns the motorcycle title out-right (no loan or lien) has the option to choose not to purchase insurance. However, any accident that the motorcycle is involved in could ultimately be fully financially billed to the owner/operator in the case of any damage.

Motorcycle Insurance Laws in Florida

Even more, driving a motorcycle without Florida motorcycle insurance could cause further issues in the case of damages or an accident. If a motorcycle operator does have an accident while not being insured, it could result in the suspension of license or the vehicle’s tag or registration. This could be a price that may surprise many motorcycle owners. Florida motorcycle insurance protects riders and owners in the case of an accident, especially if the accident is deemed the fault of the motorcycle rider.

Ultimately, liability insurance in Florida for a motorcycle is voluntary unless you are responsible for an accident.  However, it is very suggested to be acquired for yours and your motorcycles protection.

Florida Helmet Laws

Another important state law is the Florida helmet law and its relationship to purchasing insurance. As of the year 2000, Florida requires all riders under the age of 21 to wear helmet as well as any operator that has chosen not to carry at least medical insurance coverage.

Types of Motorcycle Insurance in Florida

Just like with any auto insurance, motorcycle insurance comes in many different forms and from many different providers. Purchasing motorcycle insurance through these means will allow the rider to tailor their insurance policy to fit their needs. Most auto insurance providers offer some form of motorcycle insurance as well.

However, these laws are specific to Florida. If a rider plans to travel outside of Florida, even on a trip they may be required to purchase insurance to meet that state’s requirements. The best way to be sure you are safely within any given states insurance laws is to check that states laws before planning a trip out of Florida. If you own another vehicle you have an auto insurance policy on, your agent through that means should be able to tell you more about the insurance laws of specific states.

The Importance of Florida Motorcycle Insurance

While it may not be required by Florida law, liability insurance on a motorcycle could mean a lot less stress and confusion in the case of an accident. No one plans for accidents, the best you can do is be prepared for them in case they arise. Having reliable insurance could mean the difference between some paperwork and spiraling debt.