Florida Motorcycle Insurance
Your motorcycle is more than just a mode of transportation. It represents the freedom to answer the call of the open road. Living in Florida allows you to ride throughout the year – which means it’s even more important to choose the right coverage. Your Strassman Insurance Group agent can help you select a policy that’s ideal for your needs and roads you travel.
Do you need Motorcycle Insurance in Florida?
Florida motorcycle insurance is different than it is in most other states. Before you can legally operate a motorcycle in Florida, you must have the ability to prove financial responsibility. That is, you need to prove there is a way that you can pay for any damage you or your bike cause to other people or their property. Liability coverage is the most common option.
Liability coverage includes medical expenses and lost wages that result from the injury or death of another driver if you’re at fault. Other motorcycle coverages include:
Property damage – covers damage to another person’s property – such as vehicles, private residences, storefronts and other structures – when you are at fault.
Medical – covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers, such as ambulance transportation and radiographs.
Personal injury protection (PIP) – can reimburse you for medical expenses, lost income and other expenses if you are injured.
Collision – may help pay to repair or replace your motorcycle if it is damaged in a collision with another vehicle, structure or object.
Comprehensive – can help pay to repair or replace your motorcycle due to such losses as theft, fire, flooding, vandalism, etc. Typically covers for repairs up to the actual cash value of your bike.
Uninsured/underinsured motorist – covers repairs to your motorcycle if hit by a driver who is uninsured or doesn’t have enough coverage to pay for repairs.
Uninsured/underinsured motorist bodily injury – covers injuries that you and/or passengers receive if in an accident with an uninsured or underinsured driver at fault.
Towing and labor – reimburses you for the costs of towing and related labor.
Rental – reimburses you for the costs of renting a motorcycle as the result of a loss or during the time it’s in the shop for repairs.
Motorcycle and off-road vehicle transport trailer – covers damage and loss of your trailer and motorcycle resulting from collision, rollover, and most types of losses.
Lease/loan gap – coverage that pays the difference between what your motorcycle is worth and what you still owe on your loan or lease if it’s totaled or stolen. This coverage is available only if you have comprehensive and collision on the same policy.
As your needs change, your Strassman Insurance Group agent can provide coverage for additional vehicles and/or discuss appropriate coverage options.