Motorcycle insurance in Florida is essential for any rider, from the experienced thrill-seekers to first-time motorcyclists. With the beautiful landscapes across Florida, riders have the unique opportunity to explore the state with an open road and the wind against their face. However, with this freedom comes a responsibility to protect oneself and their ride with insurance coverage that meets the state’s legal liability requirements.
When it comes to motorcycle insurance, there are several types of coverage that can be purchased, depending on the rider’s needs. Most basic policies will include liability coverage, which covers bodily injury and property damage caused by the rider while they are in operation of the motorcycle. Uninsured/underinsured motorist coverage can also be added, ensuring that the rider and their passengers are protected if an accident occurs with an uninsured or underinsured driver. Additional coverage such as comprehensive, collision, and personal injury protection can also be added to provide a more comprehensive plan.
In order to meet the legal requirements in Florida, the minimum liability coverage must be at least $10,000 of property damage per accident and $10,000 of bodily injury per person, up to a maximum of $20,000 per accident. Finding the right policy for your needs can be a daunting task, so it's important to speak with an experienced agent who can help determine the best coverage for you. With the right insurance policy in place, riders can feel confident that their motorcycle is covered no matter where their open road takes them.
