The weather in Florida makes it the perfect place to drive a motorcycle year-round. Florida also has more motorcycles registered to operate in the state than any other state in the US. It is only natural to ask then, do you have to have insurance on a motorcycle in Florida?
Do You Need Motorcycle Insurance In Florida?
The Florida motorcycle insurance law is a bit complex. In Florida, PIP insurance that covers your 4-wheeled vehicle will not “roll over” to provide coverage if you are operating a motorcycle. PIP coverage generally follows you to be covered if you are in another vehicle as a passenger or if you are injured as a pedestrian.
Florida motorcycle insurance requirements make it necessary for the motorcyclist to purchase a separate policy to cover their motorcycle or become bonded as self-insured.
Motorcycle drivers must understand that if they are involved in an accident, and it is not the fault of the other person, they will be responsible for all of their own medical costs and losses as well as the injuries and losses of the other people involved if they do not have coverage.
Do You Need Insurance To Register A Motorcycle?
You do not need to show proof of insurance to register your motorcycle. However, operating a motorcycle without insurance in Florida can lead to you having your license suspended and leave you personally liable for any accidents that you cause. If a police officer pulls you over at any time, you will have to produce proof of insurance or self-insurance.
Do you need insurance for a motorcycle in Florida to operate your vehicle once it is registered? Yes. Even though you do not have insurance to register the motorcycle, you will need it to operate the vehicle.
A Look At Uninsured Motorist Policies
Is motorcycle insurance required in Florida for uninsured motorists? Florida motorcycle insurance laws do not require you to carry underinsured or uninsured motorist policies, but it is something that you may really want to consider.
The statistics for Florida drivers operating a vehicle without insurance are the highest in the nation. As of 2019, over 27 percent of all drivers in Florida operate their vehicles without insurance. That is double the national average.
This means that, on average, one out of every four cars that you pass on the road in Florida does not have insurance. This is something you must take seriously, especially if you are operating a motorcycle.
Motorcycle accidents often lead to catastrophic injuries for the person operating the motorcycle. Motorcyclists do not have the same physical protections as the people in the car, leading to multiple and more severe injuries.
If the vehicle you are involved in an accident with is uninsured or underinsured, you would have a challenging time having your medical coverage and expenses covered while recovering from the injuries.
Motorcycle Insurance In Florida – Other 2-Wheeled Vehicles
Many people do not realize that the size of its engine categorizes a motorcycle. This is why there is an actual distinction between motorcycles, scooters, mopeds, and bicycles, even though they are all two-wheeled vehicles.
Insurance requirements are different for each category of vehicle.
Do you need insurance for a scooter in Florida?
No. Although scooters have increased in popularity in Florida, with some communities even being classified as “scooter communities,” the law does not require insurance on these vehicles unless their engine exceeds 50 cubic centimeters.
Do you need insurance for a moped in Florida?
No. The same laws apply to mopeds as they do scooters. Your moped does not need insurance unless the engine exceeds 50 cubic centimeters.
Both of these vehicles must be registered to operate on the roads, and you must be at least 16 years old to operate either vehicle.
Do you need insurance for a bicycle in Florida?
No. Bicycles are covered under the pedestrian protections of your PIP policy for your vehicle.
Speak With An Injury Attorney
If you have been involved in a car accident, your life will change dramatically. The complex issues surrounding insurance can only add to the headaches of the entire event.
Save yourself a lot of grief when you have been injured in a motorcycle accident by speaking with a motorcycle accident attorney as soon as possible after the event.
Contact the injury lawyers at Landau Law today to schedule a free case consultation.