Motorcycle Insurance in Florida
In the state of Florida, the motorcycle insurance laws are quite different from the insurance requirements for your cars. Most state's motorcycle insurance requirements mirror the car insurance requirements, but not for Florida.
Florida is a No-Fault State
Florida is a no-fault state. This means that you are required to have personal injury protection coverage on all of your cars. PIP is not required for your motorcycle insurance, though.
What is the Minimum Liability Insurance for Motorcycles?
You must have at least the minimum liability insurance for your motorcycle. It is expressed as a 10/20/10 policy, meaning you must have $10,000 bodily injury for one person injured in one accident, $20,000 bodily injury for two or more persons per accident, and $10,000 per accident in property damage liability.
What are Other Types of Motorcycle Insurance?
The state minimum liability policy will only payout to the other party in the case that you are in an accident. Your car's insurance is required to have personal injury protection, but your motorcycle policy doesn't. However, it's best to carry this coverage so it can pay for your medical bills and lost wages if you are in a wreck, no matter who is deemed at fault.
You can also secure accessory coverage for your bike as well as roadside assistance and both comprehensive and collision to cover all your losses of property in the case of an accident. Accessory coverage includes any items you added after you purchased your bike. Roadside assistance will help you to get a tow to a mechanic if you have a mechanical failure or if you are in an accident. Collision insurance covers your damages in a wreck and comprehensive covers any other damages, such as weather-related items.
We understand at AA Top Insurance LLC that you want to be fully covered and have enough coverage for your damages. We can help you to secure the perfect amount of insurance you need on your bike. You can call us or drop by the office in Naples, FL to get a motorcycle insurance quote.