In Florida, like in many other states, motorcycle insurance is required of riders. Understanding these requirements is crucial for motorcyclists to ensure they comply with the law and have adequate protection on the road in the Brandon, FL, location.
Mandatory Coverage
Florida law mandates motorcycle riders to have minimum insurance coverage to legally operate their vehicles on public roads. The minimum required coverage includes $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) coverage.
Personal Injury Protection (PIP)
Personal Injury Protection, or PIP, provides economic protection for hospital expenses and lost income for the policyholder and any passengers injured in a motorcycle accident, regardless of who is at fault. This coverage ensures injured parties receive prompt medical care and financial support after an accident.
Property Damage Liability (PDL)
Property Damage Liability, or PDL, coverage protects the policyholder from financial responsibility for damage to other people’s property caused by a motorcycle accident. This coverage helps repair or replace vehicles, buildings, or other property damaged in the accident for which the policyholder is at fault.
Additional Coverage Options
While PIP and PDL coverage are the minimum requirements for motorcycle insurance in Florida, riders may purchase additional coverage options for enhanced protection. These options may include Bodily Injury Liability (BIL) coverage, Comprehensive coverage, Collision coverage, and Uninsured/Underinsured Motorist coverage.
Penalties for Non-Compliance
Failure to carry the mandatory minimum insurance coverage for motorcycles in Florida can result in significant penalties, including fines, license suspension, and vehicle impoundment. Additionally, involving an accident without insurance can lead to personal financial liability for medical expenses, property damage, and legal fees.
Let Runnels Insurance Give You Information
Runnels Insurance answers your motorcycle insurance questions and serves the Brandon, FL, region. Call us today for updated information.
