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Florida Motorcycle Insurance
Motorcycle
insurance law in Florida has most motorcycle owners confused. Most
motorcycle owners believe that they will be covered by their automobile
insurance or by the adverse driver's insurance if they are involved
in a motorcycle accident. Unfortunately, nothing could be farther from the truth.
In Florida, insurance is not required for the owner and rider of
a motorcycle. And the PIP coverage a motorcycle owner may have on
his car, will not cover the owner if injured in a motorcycle accident.
PIP COVERAGE
As you may know, PIP coverage is Florida's no-fault auto insurance
that pays 80% of your medical bills and 60% of your lost wages for
an automobile accident, no matter who is at fault . This coverage
is required if you own a car, but will not cover you if you are
in a motorcycle accident. Some insurance companies do offer a special
motorcycle PIP that is similar to the coverage offered for an automobile.
However, since motorcycle PIP is not required by Florida law, the
coverage is not regulated by Florida law. Motorcycle PIP is governed
by the terms of the insurance contract. The following coverage should
be carried by all persons who own and ride motorcycles.
PROPERTY DAMAGE
Property damage liability coverage protects you if you damage someone
else's property with your motorcycle by driving negligently. It
does not protect you for any bodily injury the other person sustains
due to your negligence.
UNINSURED MOTORIST COVERAGE
If you are injured in a motorcycle accident, the negligent person's Bodily Injury
(BI) liability coverage should cover your medical bills, lost wage
and pain & suffering. However, what if your bills, lost wages
and suffering exceed the coverage that person has? Or worse, that
person causing the motorcycle accident has no BI coverage at all? You must have
uninsured motorist (UM) coverage to protect you. UM coverage takes
the place of the BI coverage the negligent driver did not have or
will supplement the BI coverage if it is insufficient to cover all
your damages. Since most motorcycle accidents result in serious
injuries to the rider, many minimum BI policies (often only $10,000)
are not enough to cover all the rider's damages. You can also get
"stacked" UM coverage, which increases your UM by the
number of vehicles you own. Please note that if you have UM coverage
on your car, it will cover you on the bike. However, the "stacking"
option will make sure your UM limits are high enough to cover significant
medical bills, lost wages and pain and suffering. If you wait until
after the motorcycle accident, it will be too late!! If you have any questions,
feel free to call.
Click here to Contact A
Florida Motorcycle Accident Attorney
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not be based solely on advertisement. Before you decide, ask us
to send you free written information about our qualifications and
experience.
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Mark A. Risi
2699 Lee Road, Suite 101 - Winter Park, FL 32789
Phone: 407-629-2484 Fax: 407-629-8275 Toll Free: 888-282-6529
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