Motorcycle Policy

Coverage for our two-wheeler friends. Show your motorcycle how much you love it by protecting it with quality coverage from Blitz Insurance Group.  Just like any other vehicle, motorcycles are prone to dents and scratches as well.  Our agency can offer you a policy that will not only protect your motorcycle from any damages but will also help cover costs of any injuries that you might have sustained.  Our main objective is to find a plan that fits you best, is affordable and makes you happy.  

Is Motorcycle Insurance Required in Florida?

Whether you are down south in Broward or Dade counties, or Orange, Duval, or Lee county, the law in Florida regarding motorcycle insurance is unique as compared to most other states.  In most states motorcycle insurance laws are comparable to other motor vehicle laws but in Florida they are not.  Motor Vehicle drivers in Florida, with four or more wheels, are required to carry personal injury protection (PIP) as part of the Florida no fault insurance blanket.  This will guarantee the payment of medical bills up to $2,500 as long as the claim is filed within two weeks (14 days).  If there are medical bills as a result from an emergency, as certified by a medical professional, the PIP will pay the full threshold of $10,000. This PIP is not available to the motorcycle owner even if the owner already carries PIP for another vehicle. Given the fact that injuries in a motorcycle crash are likely to be more severe, the motorcycle rider is at greater risk of financial disaster following a serious crash.

Motorcycle Registration Florida

Florida motorcycle insurance requirements are based upon the financial responsibility of the owner against liability.  The motorcycle owner is not required to carry insurance to register a motorcycle.  However, the driver is held financially responsible if charged in a motorcycle crash. A motorcycle owner has three financial responsibility options to choose from.

Motorcycle Insurance Florida

In Florida, when would you be required to have bodily injury liability insurance?

The states minimum liability coverage requirements for other passenger vehicles are guidelines that can be used to determine the amount of coverage needed.

  • $10,000 for one person bodily injury $20,000 for two or more people bodily injury $10,000 per crash in property damage liability.

What is No-Fault Coverage?

Florida is a “no fault” state requiring personal injury protection coverage for your personal vehicle of four wheels or more. No-fault coverage ensures that all medical bills will be paid regardless of who was at fault in an accident. No-fault laws do not apply to motorcycles. This means that any motorcycle driver must pursue compensation from the other drivers insurance for medical bills, lost income, pain and suffering and damage to the motorcycle. They are not required to meet any threshold or prove the severity of injuries as are drivers of other personal vehicles.  It is potentially beneficial for a motorcycle owner to obtain uninsured motorist coverage (UMC) in the case of a collision with a driver who does not carry liability insurance.  The number of uninsured motorists in Florida is the second highest in the nation at 24%.  That is just below 1 in 4 drivers on Florida roads without liability insurance.

What are the Penalties for Not Having Motorcycle Insurance in Florida?

Although motorcycle insurance is not required to register a bike in Florida, there are penalties if you are involved in an accident and do not have insurance. If you were charged with an accident, you are financially responsible for the bodily injuries and property damage. If no liability coverage was in effect at the time of the accident you could face serious ramifications including:

  • Having your driving privileges suspended
  • Having your registration and tag suspended
  • Being required to purchase bodily injury/property damage liability coverage for three years
  • Having civil judgments against you

In other words, motorcycle coverage is not mandatory until after you have caused an accident.

Show your motorcycle how much you love it by protecting it with quality coverage from Blitz Insurance Group.  Just like any other vehicle, motorcycles are prone to dents and scratches as well.  Our agency can offer you a policy that will not only protect your motorcycle from any damages but will also help cover costs of any injuries that you might have sustained.  Our main objective is to find a plan that fits you best, is affordable and makes you happy.  Motorcycle insurance is intended to protect the riders and their bikes and designed to cover five major areas:

  • Medical bills for injuries to the rider - This covers the medical bills for the rider if they happen to be injured. This can also include multi-vehicle collisions.
  • Property damage to the bike - This covers accident coverage to the bike, theft coverage, vandalism coverage, and everything from dents to dings.
  • Bodily injury to others injured - This is an important part of liability insurance because it covers injuries caused to others. For example, if a motorcyclist accidentally hits a pedestrian, there could be massive liability charges.
  • Collision coverage - This will protect the rider if they cause an accident that causes damages to other vehicles or property.
  • Comprehensive or total loss coverage - This will provide the rider with full protection and/ or replacement if the bike is totaled.

Call us today toll-free at 844-617-7444 and get a free quote.  We appreciate the opportunity to find you savings and help get the best coverage for your property.