Even if you don’t drive your motorcycle often, it helps to have protection if you’re in an accident or cause one. Only some states require drivers to carry motorcycle insurance. However, most do. Our Prestige Insurance Group team is committed to helping Miami, FL motorcycle owners get the coverage they need.
What’s Motorcycle Insurance?
Motorcycle insurance can provide coverage for the driver, the motorcycle, and other drivers in the form of liability insurance. It’s designed to protect drivers in the event of an accident by providing liability protection if found at fault, as well as coverage for damage, vandalism, and theft. However, at a minimum, many drivers opt to at least get liability coverage as protection if found at fault for a motorcycle accident. Liability coverage provides medical protection for the other driver if you’re found at fault. It also provides coverage for the repair or replacement of the other driver’s property or vehicle/motorcycle.
I only drive my motorcycle once a year. Do I still need motorcycle insurance?
Drivers aren’t required to carry motorcycle insurance in the state of Florida. In other words, drivers can legally operate their motorcycles in Florida without any insurance. Although motorcycle insurance isn’t required in the state of Florida, drivers can face heavy fines and are financially required to pay out of pocket for any accidents they may be responsible for.
Drivers also have no liability protection without insurance and can face charges if they cause an accident. At the very least, liability coverage may be a wide investment because it provides coverage for drivers in the event that they cause an accident.
Liability coverage would pay the medical bills of the injured driver if you’re found at fault. Also, liability coverage would pay for the repair or replacement of the other driver’s damaged vehicle, motorcycle, and property. Uninsured drivers can have their license suspended, accrue fines, and lose riding privileges if found at fault for an accident.
Consult With Us
If you have questions about motorcycle insurance, call us at Prestige Insurance Group in Miami, FL. We’d be happy to help you explore your options.