Nobody denies that Florida has some rather quirky laws, especially when it comes to insurance. Many first-time Florida motorcyclists are surprised to learn that carrying insurance is actually optional in Florida. Not having to carry Florida motorcycle insurance certainly saves a lot of hassle and expense... or does it? If you take a look at the numbers, choosing to not carry Florida motorcycle insurance could end up costing you a lot more than you think. Though you don't have to show proof of insurance to register or even to ride your bike, Florida's Financial Responsibility Law applies to all motorists, bikers included. Not having coverage is a major gamble that could potentially cost you thousands of dollars.
Biking in Florida
Florida is a bustling, rapidly growing state. Every year more and more motorcyclist hit the road. Many of these bikers are in their mid-40s and 50s. These are predominately people who are first-time bikers or are bikers who haven't driven in years and are just getting back into biking. Bikers in this age group are also, statistically, the most likely to get into accidents.
The combination of inexperienced bikers and inattentive motorists (the bane of bikers everywhere), Florida has some of the highest rates of motorcycle accidents and deaths in the country. There were over 6000 motorcycle related fatalities last year alone. That's a pretty staggering amount. What is worse, statistics indicate that close to 70% of motorcyclists that are either injured or killed in traffic accidents in the past year were not carrying insurance.
Florida Auto Insurance and Bikers
Florida law requires that automotive drivers carry a minimum of $10,000 in personal injury liability coverage. However, as anyone who has ever been injured in an accident can tell you, $10,000 is just a drop in the bucket compared to how quickly medical bills can pile up. If you are riding your motorcycle and are struck by a Florida motorist, you could be facing paying those skyrocketing medical bills out of your own pocket. That is, of course, unless you are carrying Florida motorcycle insurance.
Protect Yourself
It doesn't matter how experienced you are and how well you can handle your bike. The fact is, you can't control other motorists and how they respond to situations on the road. If you are riding your motorcycle without insurance than you are taking a huge risk. If you get into an accident and are injured, then you stand to lose a substantial amount of money. If you get into an accident and someone else is injured, then you stand to lose a substantial amount of money as well. That's not even considering the cost of replacing your bike and any property of theirs that might have been damaged.
Why even take the risk? You wouldn't get on your bike without a helmet, so don't get on your bike without Florida motorcycle insurance. Make carrying Florida motorcycle insurance coverage for personal injury liability and property damage liability part of your motorcycle safety gear.
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Get insurance help today. We all know that quality Clermont Car Insurance that can fit within our budget is important. Sometimes it's hard to find the right people to help you. Get the advice from people that care about helping and informing others. Orlando Insurance is a leading independent insurance provider serving all of Florida with a majority of business in Orlando & Clermont. Call them at 352-243-9000. Because they are an independent insurance provider, they can shop multiple carriers at once to find you the best coverage at the lowest rates anywhere. |