Motorcyclists and Florida's No-Fault Insurance Laws

Advice from Attorney Richard Troutman

According to Florida’s no-fault insurance law, motorists must carry at least $10,000 personal injury protection (PIP) coverage and $10,000 in property damage liability. PIP insurance reimburses the insured for accident-related medical bills, regardless of who is at fault for the accident. But to receive pain and suffering compensation, the motorist must be able to prove that the injury is permanent.

However, this law does NOT apply to motorcyclists because they are not required to carry PIP insurance. Therefore, if they are injured in a motorcycle crash in Florida, they need not prove that their injuries are permanent in order to receive pain and suffering compensation.

For more information about Florida motorcycle laws and how they apply to motorcycle wrecks, please contact our motorcycle accident injury attorney today. Our offices are conveniently located for Orlando, Florida residents.

The Importance of Carrying Uninsured Motorist Coverage Insurance For Your Motorcycle

Florida does not require motorists to carry bodily injury liability coverage, so up to one-third of drivers out on the road are uninsured. That means if an uninsured motorist runs a red light and hits a motorcycle, the motorcyclist will not be eligible for pain and suffering compensation.

That’s why we urge all motorcyclists to protect themselves by carrying uninsured motorist coverage. Although this coverage can be costly, it is well worth the expense, considering the risks associated with riding a motorcycle. It is far better to be protected.

If the motorcyclist does purchase insurance and owns one or more vehicles, he should make sure his insurance coverage is stackable. This way, the policies can be stacked for the motorcycle and all other vehicles.

To learn more about Florida uninsured motorist coverage, insurance laws, and how they apply to motorcycle wrecks, please contact accident injury attorney Mr. Troutman today. With offices located near Orlando, Florida, Mr. Troutman is ready to answer all your questions.