You consider yourself a safe motorcyclist: you wear a helmet, avoid distractions, drive cautiously, and never get on your bike while intoxicated. Unfortunately, all of your safety precautions didn’t prevent you from becoming hit by another motorist on I-95, I-4, or another major highway in Daytona. Now you are injured and have medical bills coming in almost every day.
By law, you aren’t required to have motorcycle insurance. But you were wise enough to buy insurance anyway, and you assumed the policy you have will cover all of the expenses related to your accident. Unfortunately, you have now found out this isn’t always the case, which leaves you wondering what else you don’t know about motorcycle insurance.
Motorcycle Insurance Facts You Need to Know
Florida has its own set of rules regarding motorcycle insurance. Chances are, you may not know all of them.
- Automobile insurance doesn’t help. Some motorists incorrectly assume that when they have automobile insurance for their cars, vans, or trucks, this insurance automatically covers their motorcycles. This isn’t the case: motorcycles require their own special insurance.
- Florida’s No-Fault rule. Florida is a no-fault state, which means that motorists are required to pay for their own bills related to car accidents. For this reason, they are required to have personal injury protection, or PIP. This rule, however, does not pertain to motorcyclists. Consequently, bikers are not required to have that type of coverage.
- Helmets and eye protection. Riders who are age 21 and older and have at least $10,000 in insurance coverage are not required to wear helmets while riding. They are, however, obligated to wear eye protection regardless of age or insurance coverage, unless the bike features a windshield.
Were You Injured in an Accident?
If you were the victim of a crash and have suffered serious injuries as a result, the attorneys of Johnson and Gilbert want to help. Contact us today through our website to speak with an attorney about how we may be able to help you obtain the compensation you deserve.