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Do I Need Florida Motorcycle Insurance?

Home   /   Personal Injury Blog   /   Do I Need Florida Motorcycle Insurance?

December 23, 2020 | By Roman Austin Car Accident and Personal Injury Lawyers
Do I Need Florida Motorcycle Insurance?

In 49 states in the country, motorcycle insurance is regulated pretty much the same way car insurance is regulated. State laws around the country require car and motorcycle owners to have minimum insurance amounts. 

About a dozen of those states are considered “no-fault” states, meaning you can get compensation to cover injuries and property damage no matter who was at fault for the motorcycle accident.

Florida is actually a no-fault state when it comes to car insurance. However, in the Sunshine State, motorcycles are a different ballgame. Unlike every other state, there is no law mandating that a motorcycle owner/driver have a valid insurance policy for their ride. 

Obviously, that doesn’t mean Florida motorcyclists shouldn’t buy motorcycle insurance. In fact, to some degree, if you own a motorcycle in Florida you really do need motorcycle insurance.

What Happens When You Don’t Have Insurance?

If you own a motorcycle in Florida and don’t have insurance, you are taking a huge risk. The reason is because Florida’s financial responsibility laws (those that govern who has to pay and how much after an accident) still apply to motorcycle drivers. This means that if you cause property damage or bodily harm to yourself or another, you will personally be on the hook for the bill.

Given the fact that motorcyclists are far more likely to be injured in an accident than car drivers and passengers, and that the injuries they suffer are often more severe, this could mean you are on the path to financial ruin. 

What’s more is that if you caused an accident without insurance, you could face significant penalties such as:

  • Losing driving privileges
  • Facing civil judgments
  • Being required to purchase insurance

On top of that, if you don’t have motorcycle insurance and are involved in an accident that was not your fault, you will have to seek out compensation from the other party’s insurance company on your own. This is far more time consuming than having your injuries and property damage automatically covered by your own insurance company. It also would require you hire a lawyer to help you pursue damages.

How Much Insurance Should You Get?

The safest and wisest course of action is to buy insurance for your motorcycle. It will protect you in case you are injured due to another driver’s negligence and it will keep you from devastating financial consequences should the accident be your fault. 

Under Florida law, minimum car insurance requirements include:

  • $10,000 for the bodily injury of one individual
  • $20,000 for the bodily injury of two individuals
  • $10,000 for property damage per crash

The most common way to get motorcycle insurance coverage is to contact a licensed insurance broker who can explain in more detail the benefits of having a policy and how much coverage you need.

What You Should Do If You Are Injured In a Motorcycle Accident

If you sustain injuries from a motorcycle accident that was the fault of another driver or party, you should contact a seasoned Clearwater motorcycle accident lawyer as soon as possible. A good lawyer will cast a wide net and not stop with taking action against the other driver only. 

Depending on road conditions, whether or not there was a recall on any of your bike’s parts, and if all traffic signals were in proper working order, there could be multiple parties or entities at fault for the accident and the injuries you have suffered. 

Your lawyer will work with you to pursue the legal strategy that is the best for you and your case. If you are looking to be compensated for your injuries and property damage to your motorcycle, it is without a doubt in your best interest to hire competent legal representation immediately.

Contact the Clearwater Motorcycle Accident Law Firm of Roman Austin Car Accident and Personal Injury Lawyers for Help Today

For more information, please contact the legal team of Roman Austin Car Accident and Personal Injury Lawyers for a free initial consultation with a motorcycle accident lawyer in Clearwater. We have convenient locations in Florida: St. Petersburg, Safety Harbor, Clearwater, New Port Richey, and Tampa.

We serve throughout Pinellas County, Hillsborough County, Pasco County, and its surrounding areas:

Roman Austin Car Accident and Personal Injury Lawyers - Clearwater Office
1811 N. Belcher Road, Suite I-1
Clearwater, FL 33765

(727) 787-2500

Roman Austin Car Accident and Personal Injury Lawyers - Congress Ave Office
2360 Congress Avenue
Clearwater, FL 33763

(727) 591-5610

Roman Austin Car Accident and Personal Injury Lawyers - Tampa Office
6601 Memorial Hwy Suite 202
Tampa, FL 33615

(813) 686-7588

Roman Austin Car Accident and Personal Injury Lawyers - New Port Richey Office
2515 Seven Springs Blvd.
New Port Richey, FL, 34655

(727) 815-8442

Roman Austin Car Accident and Personal Injury Lawyers - St. Petersburg Law Office
840 Beach Dr NE Suite 202
St. Petersburg, FL 33701

(727) 787-2500

Roman Austin Car Accident and Personal Injury Lawyers - Safety Harbor Law Office
202 9th Ave S Suite A-2
Safety Harbor, FL 34695

(727) 787-2500

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They did a great job and even advised what to do if there was no insurance for the at-fault driver and I had to self represent. Ended up being able to get me the fullest...
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They did a great job and even advised what to do if there was no insurance for the at-fault driver and I had to self represent. Ended up being able to get me the fullest payout possible, team was easy to keep in touch with, and Miles was clear in his explanations and helpful with his advice. I still use some of the doctors I connected with through their firm. Would recommend Roman Austin and would use them again.

J.P.

I cannot say enough incredible things about Roman Austin Law Firm. John Austin is a phenomenal lawyer. I was in a bad crash that involved a truck totaling my vehicle and sustaining neck and back...
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I cannot say enough incredible things about Roman Austin Law Firm. John Austin is a phenomenal lawyer. I was in a bad crash that involved a truck totaling my vehicle and sustaining neck and back injuries.Going into this process, I was honestly apprehensive about even hiring a lawyer. I was especially wary of those large, commercial firms that just want to move cases quickly. I had heard some great things about Roman Austin, but did my own extensive research and now know why they are a five star firm. What could have easily been a stressful and overwhelming experience turned into something completely different because of John Austin and his team. Choosing them was one of the best decisions I have ever made.John is truly exceptional. He is incredibly detailed, meticulous, and completely devoted to his work. He worked tirelessly on my case, going above and beyond anything I could have ever expected. He spent countless hours (even on weekends), and was always available whenever I needed him. His level of dedication, care, and precision is something you rarely find.Beyond that, he is patient, kind, and deeply compassionate. You never feel like just another case. He genuinely cares about you as a person and wants the absolute best for you. He made what could have been a difficult process feel manageable and supported every step of the way.His entire team was phenomenal. They were responsive, professional, and just as committed. Every interaction felt thoughtful and intentional.The outcome we achieved was fantastic, and I am beyond grateful. I couldn't be more pleased with my experience.If you are considering legal representation, I wholeheartedly recommend John at Roman Austin Law Firm. They are professional, dedicated, and truly invested in their clients.Choosing John Austin made all the difference. He fought tirelessly to ensure that everything I endured was recognized and fairly compensated, and that level of dedication is something I will never forget. I am profoundly grateful not only for the outcome, but for the care, integrity, and unwavering commitment shown every step of the way. Forever thankful I chose them, and truly forever grateful.

C.M.

After my accident, I didn't know where to start. Roman Austin made the whole process feel manageable and honestly took a huge weight off my shoulders. The team was kind, responsive, and truly cared about...
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After my accident, I didn't know where to start. Roman Austin made the whole process feel manageable and honestly took a huge weight off my shoulders. The team was kind, responsive, and truly cared about what I was going through. I always felt heard and supported. I'm so thankful I found them and would absolutely recommend them to anyone who needs help.

S.S.

Once again Roman & Austin and their team has been a helping hand through hard times after being rear ended by a driver not paying attention. The same day I was set up with community...
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Once again Roman & Austin and their team has been a helping hand through hard times after being rear ended by a driver not paying attention. The same day I was set up with community care to make sure I had to physical and emotional support I needed and they checked on me with updates every week. They got me the full compensation I deserved for my injuries and are the best at what they do.

J.K.

From the first moment I spoke with the people at Roman Austin, I knew that I was in good hands! My injury was severe and it was scary, but every step of this journey has...
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From the first moment I spoke with the people at Roman Austin, I knew that I was in good hands! My injury was severe and it was scary, but every step of this journey has been easier because of the guidance I have received from them. They have managed my case with professionalism and thoroughly explained any and all questions that have come up for me. Because of their hard work and dedication to my case, we were able to reach a settlement in my case! I highly recommend them to anyone in need of an injury attorney!

K.S.

“They held our hand the entire time.” “Rebuilt our lives.“Helped with doctors and wage loss.” “Felt like family.” “Prompt resolutions.”
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Roman Austin Car Accident and Personal Injury Lawyers

1811 N. Belcher Road Suite I-1,
Clearwater, FL 33765
(727) 787-2500

Roman Austin Car Accident and Personal Injury Lawyers

2360 Congress Ave STE 100,
Clearwater, FL 33763
(727) 725-7661

Roman Austin Car Accident and Personal Injury Lawyers

2515 Seven Springs Blvd,
New Port Richey , FL 34655
(727) 815-8442

Roman Austin Car Accident and Personal Injury Lawyers

401 E Jackson St Suite 3319,
Tampa, FL 33602
(813) 422-7772

Roman Austin Car Accident and Personal Injury Lawyers

840 Beach Drive N.E. Suite 202,
St. Petersburg, FL 33701
(727) 335-1373

Roman Austin Car Accident and Personal Injury Lawyers

202 9th Avenue South, Suite A-2,
Safety Harbor, FL 34695
(727) 214-5001

At Roman Austin Car Accident and Personal Injury Lawyers, we practice across the entire state of Florida. We primarily serve the following localities: Clearwater, Countryside, Dunedin, Palm Harbor, East Lake, Safety Harbor, Oldsmar, Largo, Seminole, Pinellas Park, St. Petersburg, New Port Richey, Port Richey, Hudson, Holiday, Tarpon Springs, Trinity, Westchase, Tampa, Town N Country, Egypt Lake Leto, Citrus Park, Wesley Chapel, Lutz, Starkey Ranch, and all surrounding communities in Pinellas, Pasco, and Hillsborough Counties.

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