Motorcycle Insurance Coverage in Florida

Bodily Injury Liability

In an event of an accident, it is fairly common to suffer an injury.

Though we hope you don’t encounter such, insurance that covers this is the most fundamental thing that you will need. This is simply because you cannot know exactly what will happen once you hit the road.

This type of liability coverage ensures that the damages you may cause to other people are covered. For instance, if you hit a pedestrian while riding and the medical fee total is $5,000, it will be covered by bodily injury liability.

Most states, except Washington and Florida, require this type of coverage. But as stated above, this basic insurance coverage is definitely a must-have to safeguard your assets and interest if an accident occurs and you’re at fault.

Personal Injury Protection

The first basic coverage above generally pays for bodily injury to the other party.

With personal injury protection (PIP), your own well-being is prioritized. It offers coverage to pay for the medical fees and all other damages that you suffer in an accident. The great thing here is that you will be covered regardless of who is at fault.

It can also cover any lost wages and compensation if you fail to report to work due to the accident. Hence, you will have more flexibility in the time required for recovering and recuperating from the injury.

Because the nature of the PIP is no-fault coverage, it means that you can claim it quickly to pay your medical bills. It offers proactive coverage without the unnecessary head-scratching of investigating who is at fault in the accident.

Property Damage Liability

If you are involved in an accident, the prime consideration must be the safety and security of the rider. Depending on the severity of the accident, your motorcycle itself and some of your personal possessions may get totaled also. Because of this, another typical basic coverage of every insurance policy takes care of damage to property.

Perhaps the rims of the other bike got twisted and turned, or the front fender and the handlebar got wrecked. Whatever the damage may be, property damage liability covers you for it. Just like the bodily injury liability, this type of coverage compensates the other party involved in the accident.

Uninsured or Underinsured Motorist Coverage, UM/UIM

The reality of plying the roads in a motorcycle may not be a welcome piece of news: there are still some motorists who are not insured or who don’t have enough insurance coverage.

Though we are not blaming them for their irresponsibility or financial incapability, getting involved in an accident with these types of riders almost always results in a lot of problems.

Luckily, there is coverage that may keep your interests secure if the other rider is at fault in the accident.

Similar to bodily and property damage liability, Uninsured Motorist (UM) coverage will pay for all of your medical bills if the bodily liability coverage of the at-fault driver is not sufficient. It can stretch to emergency bills, medical transport bills, and hospital stays.

On the same note, UM property damage coverage will cover all the damages to your motorcycle if the other party’s property damage liability is not enough.