Do You Have Motorcycle Insurance? If You Live in Florida, You Should

You spent months searching for the motorcycle that fit your needs, and now that you found it, the first thing you want to do was take it for a spin on the Ormond Scenic Loop, the Daytona Loop, or another gorgeous road in Daytona Beach. You’re excited and nervous, but you’re ready to see Florida from the seat of a motorcycle.

Before you take a ride, however, you’ll need to make sure you are prepared to do so. Along with wearing the proper clothing and safety gear, you should also ensure you have taken other precautions when it comes to owning a motorcycle, such as insurance obligations.

Should You Have Motorcycle Insurance?

Just like other states, Florida has its own unique rules regarding motorcycle insurance. Knowing what they are could prevent you from owing thousands of dollars because of an accident, and getting into trouble with the law.

  • Financial Responsibility Law. Florida’s financial responsibility law pertains to both motorists and motorcyclists alike. Under this law, if a driver chooses not to obtain insurance, he is required, by law, to be financially responsible for injuries and damages in an accident. If he is unable to pay, he is deemed financially irresponsible and may lose his license and have a difficult time obtaining it again.
     
  • Helmet laws. Florida doesn’t have a law that forces motorcyclists to wear helmets, unless they do not meet the state’s insurance requirements. Riders at least 21 years of age and older do not have to wear helmets if they have a minimum of $10,000 in insurance.

When You’re Involved in a Crash

Getting into a motorcycle accident is one of the most frightening experiences anyone can endure. When you are the victim and hurt, the medical and vehicle repair bills, doctor’s appointments, and injuries can become overwhelming. Having an attorney on your side can ease some of that burden.

The legal team of Johnson and Gilbert want to help you during this time. Contact us today to find out how we may be able to help you receive the compensation you deserve.