Understanding Insurance for Florida Motorcyclists


Blue skies and sunshine – the perfect conditions to get out and ride! While you probably know that motorcycles are not uncommon in Florida, the laws surrounding their use are less widely known than the laws required to operate a typical vehicle. 

In past blogs, we’ve discussed PIP and Property Damage insurance as well as what you can expect to have covered with these insurance policies. But when it comes to motorcycles, it really is a whole new ball game. Not only are the requirements vastly different, but the possible injuries in the case of an accident can be far more severe. 

Insurance Requirements for Motorcyclists in Florida

The requirements to ride a motorcycle in Florida are relatively relaxed. The details differ for riders above the age of 21 and under the age of 21. 

Motorcyclists Under 21

In Florida, the decision of whether to wear a helmet or not is up to the discretion of the rider themselves. There is no legal requirement to wear a helmet unless the motorcyclist is under 21 years of age.  

Required Coverage for Motorcyclists WITHOUT a Helmet

If you are over the age of 21 and decide to opt out of wearing a helmet while you ride, you do have additional requirements. You must maintain at least $10,000 in medical insurance coverage to cover the costs of potential injuries. 

Financial Risks for Florida Motorcyclists

Whether you decide to wear a helmet or not, there is a significant financial risk to braving the roads with the minimum coverage. 

The minimum coverage requirement of $10,000 could likely be far less coverage than you will need after a motorcycle accident. If you end up in an accident with financial damages that exceed your coverage, you’ll have to go after the other driver that’s involved for the rest. 

You may be thinking, what about PIP coverage from my main vehicle? 

Unfortunately, PIP plans do not cover injuries sustained in a motorcycle accident. If you carry PIP insurance on another vehicle, don’t count on using the same plan for your motorcycle coverage. 

“No-Fault” and Motorcycles

Another consideration when it comes to motorcycle accidents is that Florida is a “No-Fault” state, however, the associated rules only apply to 4-wheeled vehicles. This point circles back to an earlier comment. You can seek additional damages from the involved parties. 

How Florida Motorcyclists Can Stay Safe 

First and foremost, wearing a helmet and abiding by traffic laws will be the best safety tip you can follow. There are rules of the road for motorcyclists in Florida and it’s important that you adhere to them. While minimum coverage is all that is required, we do recommend that you weigh your options and decide what works best for you. You can check with your insurance company for more information on possible bundles.

Since PIP coverage is not available, many motorcycle drivers choose Med PAy insurance coverage in Florida. 

Med Pay for Motorcyclists in Florida

Med Pay, short for Medical Payments Coverage, is similar to PIP, but less comprehensive. It’s a first-party coverage that will help cover medical costs including health insurance deductibles, co-pays, dental care, and prescriptions. If you’re considering Med Pay, ask your insurance agency about the limits of your coverage and the maximum amount you should have to cover yourself for any potential injuries.

We hope this information helps as it feels more and more like summer each day! 

If you do find yourself in a motorcycle accident and experience difficulty seeking compensation, give us a call to tell us your story.

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