Motorcycle Insurance in Florida
What are the Insurance Requirements for Motorcycles in Florida?
In the state of Florida, motorcycle insurance laws can be very confusing. You are not mandated to carry liability insurance to register a motorcycle. Still, if you are charged as being at fault for an accident with injuries, then you must be financially responsible for bodily injuries and property damage to others. At this point, you need insurance, and you need to maintain it for three years to avoid losing your motorcycle license and your tags and registration.
What Amount of Insurance Should I Carry in Florida?
If you cause a crash while operating your motorcycle and don't have insurance, you can be facing many thousands of dollars for the other party's medical bills and loss of property. This could even have your wages garnished for many years. The best idea is to secure the minimum liability insurance for your motorcycle in the same amounts as a vehicle to protect all of your assets. The minimum for cars is $10,000 bodily injury liability for one person hurt in an accident, $20,000 in bodily injury liability for more than one person injured in an accident, and $10,000 per each accident in property damage.
What are Other Types of Motorcycle Insurance?
A liability insurance policy only pays out to cover the other party's losses and not yours. You should consider additional types of insurance from Accesspoint Insurance in Boca Raton, FL, such as on a car to protect your motorcycle and to help with your medical bills in the event of a crash. You can add comprehensive coverage to cover damages to your bike, from storms or other items, and collision to repair or replace your motorcycle when it is in a wreck. You may also include items for your medical payments and personal injury protection as well as underinsured and uninsured motorist coverages. You can add accessory coverage and roadside assistance also to be fully covered in the event of an accident.
How much and which kinds of motorcycle coverage you choose can be quite tricky. At Accesspoint Insurance, we can help you to choose the perfect amount and explain all types of motorcycle insurance to you. You can come by the office in Boca Raton, FL, or give us a call to get started on your motorcycle insurance and acquire a quote.
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