Motorcycle Insurance
Motorcycle Insurance
Motorcycle Insurance coverage is typically in addition to, or on a separate policy, than automobile insurance coverage. Typically motorcycles do not meet the definition of a motor vehicle in most automobile policies.
Some of the insurance coverages available for motorcycles:
- Bodily Injury Liability
- Property Damage Liability
- Guest Passenger Liability
- Uninsured/Underinsured Motorists
- Medical Payments
- Comprehensive and Collision
- Roadside Assistance
The most common coverage requested, but not available, is Personal Injury Protection (PIP). PIP is only required for self-propelled vehicles with four or more wheels that are registered and licensed in the state.
Florida Requirements
An individual older than the age of 21, must carry $10,000 in Medical coverage if riding or operating a motorcycle without a helmet.
- The law requires anyone
under the age of 21 to wear a helmet while operating or riding a
motorcycle.
- Coverage for drivers or riders over the age
of 21 can be provided by a Health Insurance policy or Medical Payments
coverage on a motorcycle policy.
- Law enforcement officers can accept an insurance card or policy or declarations page from an HMO or another recognized health insurance provider.
In some cases liability coverage may also be required when a driver must prove financial responsibility due to violations or failure to pay for damages caused in an accident. This is regulated by the Florida Department of Motor Vehicles.
Contact Arend & Sisk, P.A. today. Call 239-226-1200!
Serving Southwest Florida