Uninsured / Under-Insured Coverage for Motorcyclists
Make Sure You Have Uninsured/Under-Insured Motorist Coverage
As we approach Bike Week here in Daytona Beach and Orlando, Florida, it is important that all of us check to make sure we have Uninsured and/or Under-Insured Motorist coverage available while riding a motorcycle. I strongly encourage everyone to call their insurance agent immediately and make sure they have uninsured motorist coverage available in the event that they are injured from a hit-and-run, phantom vehicle or car that has inadequate insurance. Please remember that in Florida, a car is not required to carry Bodily Injury Liability insurance. In other words, drivers in Florida are not required to carry insurance that covers you in the event they are negligent and hurt you. Many vehicles are uninsured here in Florida or have the minimum $10,000.00 liability policy people can get here, if they elect to have this coverage at all. Uninsured Motorist coverage stands in the shoes of the liability carrier that would have provided coverage. One way to get Uninsured Motorist coverage on your motorcycle easily, at least based upon Florida insurance rules, is to have “stacked” uninsured motorist coverage on your automobiles. If your automobile uninsured motorist coverage is stacked, it should apply to you while riding a motorcycle that does not specifically have uninsured motorist coverage. It is also important to make sure that your uninsured motorist coverage is “stacked” because this will provide more coverage to you in the event you are hurt and there is inadequate liability coverage. All uninsured motorist coverages can be added together rather than having to select the one coverage that applies to the vehicle you are on. Uninsured motorist coverage that is not stacked on your automobiles will not apply on your motorcycle in many circumstances.
I hope everyone has a great time at Bike Week in Daytona Beach and Winter Park, is accident and injury free, and enjoys the many concerts and activities that will be available during the next week.