Before you rush to get your adrenaline flowing by hopping on your motorcycle and enjoying the scenic views that Florida has to offer, think about protecting yourself and others by obtaining the necessary insurance coverage. It is imperative that you take your safety seriously as we do here at Reinas Insurance Agency. Do yourself a favor and protect the investment that you worked so hard for.
Motorcycle Insurance Laws
Florida is the only U.S. state that does not require motorcycle owners to obtain insurance. However, it is still important for riders to purchase a coverage since it will protect you from having to own up to costs that could put your financial future in devastation. Instead of requiring owners to obtain an insurance policy, the state would like motorcycle owners to instead meet a financial threshold in the event an accident were to occur and injuries result. You must carry at least $10,000 of coverage for medical benefits.
Motorcycle Insurance Coverage
While insurance is not required in the state, you should at least work to obtain bodily injury coverage of at least $10,000 as well as $20,000 for bodily injury protection for each accident.
You can also choose from any of the following protection:
- Comprehensive- This policy will cover your bike for repair or even replacement if you have an accident with either an object or another car.
- Collision- This policy will help protect your motorcycle from wind damage, theft, and even vandalism.
- Towing-This policy will help cover the costs of towing if you need to get to a repair shop.
If you need a quote for motorcycle insurance, please give us a call or visit our Reinas Insurance Agency website today for one. We have many agents who are experienced and knowledgeable and will work hard to help you select the perfect policy for your motorcycle. Protection is important to have even though it may not be legally required in Florida.