The State of Florida has decreed that motorcycle insurance is optional for those over 21 years of age; however, for your safety and the safety of your passengers, we strongly advise insurance coverage. Here are some very solid reasons why you should be sure to secure motorcycle insurance.
Dangerous Weather
Although snow in Florida is a rare occurrence, there are plenty of other weather-related dangers that motorcyclists need to be aware of that can cause serious property damage and injury to riders.
Florida’s rainy seasons can be long and fickle, with sudden showers creating slick, dangerous road conditions that undermine a safe ride. Storms can also produce hail, which can cause expensive damage to any vehicle.
Motorcyclists are particularly exposed to these dangers bodily if caught in such weather conditions. Heavy rain at high speeds without the protection of a roof or high windshield can be painful and blinding. Unexpected hail, especially without a helmet, can be deadly.
Carrying motorcycle insurance protects you, your passengers, and your property from weather-related damages.
Accidents Happen
We recently heard the story of an uninsured motorcyclist who crashed into the back of a stopped car, sending the rider and his wife, who were not wearing helmets, flying face down into the pavement. They survived, but were injured and sought medical attention.
They were not insured and found themselves responsible for their medical costs, bike repairs, and damages to the car they hit. If the driver of the car had been injured, the biker would have been responsible for those medical costs, as well.
Gambling with lives is not even a little bit amusing. Nobody is perfect and anyone can find themselves in a dangerous driving situation, so it is incredibly important that you carry motorcycle insurance to prepare for the unexpected.
Cover Your Assets
The Florida Financial Responsibility Law applies to motorcyclists whether they choose to purchase insurance coverage or not. As mentioned in the previous example, medical bills and property damage for both parties can be on your plate in the event of an accident you are found to be at fault for.
Without the help of an insurance plan, your hard-earned financial assets can be sucked away to cover the costs. What’s more, you may be required to purchase high-risk insurance afterward and in some situations may even have your license revoked.
Additionally, comprehensive motorcycle insurance coverage protects you from theft. There’s little point in saving for or fixing up your bike for months or years to have it stolen without any recourse if the bike cannot be recovered or the thief is not caught to make a claim against.
All things considered, you would be wise to do more than the legal minimum in the case of Florida motorcycle insurance. Too much can go wrong that is out of your control but this choice is entirely in your hands. If you have more questions or are interested in a quote, visit our motorcycle insurance page!