{"id":372595,"date":"2016-03-31T21:35:00","date_gmt":"2016-04-01T02:35:00","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/florida-law\/florida-motorcycle-insurance.html"},"modified":"2016-06-20T19:51:03","modified_gmt":"2016-06-21T00:51:03","slug":"florida-motorcycle-insurance","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/florida-law\/florida-motorcycle-insurance.html","title":{"rendered":"Florida Motorcycle Insurance"},"content":{"rendered":"\n
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Florida Motorcycle Insurance<\/h1>\n
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Created by FindLaw’s team<\/a> of legal writers and editors<\/i><\/p>\n\n | Last updated\n

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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

Motorcycle insurance law in Florida can be confusing. Many people have the mistaken belief that motorcyclists do not need insurance because car insurance law is not the same as motorcycle insurance law. Florida\u2019s Financial Responsibility Law<\/a> does, however, apply to motorcycles and there are consequences for not carrying motorcycle insurance. This article is a basic overview of motorcycle insurance law in Florida.<\/p>\n

Car Insurance vs. Motorcycle Insurance<\/h2>\n

In many states, car insurance laws and motorcycle insurance laws are the same, but in Florida there are big differences between the two types of laws. Most importantly, Florida car drivers must have Personal Injury Protection (PIP), which covers medical bills and lost wages, regardless of who is at fault for an accident. PIP insurance laws do not apply to motorcycles. Some insurance companies may offer PIP insurance for motorcycles that is similar to PIP insurance for cars, but that insurance is not regulated by Florida law because PIP is not required for motorcycles. Also, after a motorcycle accident, a person does not need to show a permanent injury to recover money for pain and suffering, unlike an injury resulting from a car accident.<\/p>\n

Get Motorcycle Insurance<\/h2>\n

Generally, there are two ways to obtain motorcycle insurance in Florida:<\/p>\n

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  1. Buy coverage from an insurance carrier licensed to do business in Florida (this is the most common way to get insurance);<\/li>\n
  2. Get a Self-Insurance Certificate from the Bureau of Financial Responsibility<\/a> based on net worth.<\/li>\n<\/ol>\n

    A licensed insurance agent can provide information about insurance options available, but the minimum requirements for motorcycle insurance in Florida are as follows:<\/p>\n