Is Florida Motorcycle Insurance Mandatory?

Motorcycles are a notoriously dangerous form of personal transportation. While they provide an exciting and efficient way to get around, motorcycle accidents are far more likely to cause serious harm or result in a death than car accidents. Because of this, most states require riders to have insurance before operating a motorcycle to cover the costs of potential medical services and property damage in the case of an accident.

No Requirement in Florida

Florida, a state full of bike culture in cities such as Daytona, is one of two states that does not require motorcycle insurance.

Conditions

Those who opt out of motorcycle insurance must wear a helmet, be at least 21 years of age and have $10,000 or more worth of personal injury insurance.

Benefits

Depending on the type of insurance, motorcycle insurance can cover personal injuries, injuries to others, and accidental damage to vehicles or other property.

Prevalence

Riders who are 25 and under are the least likely to own motorcycle insurance because of greatly inflated costs.

Controversy

Opponents to Florida's lax insurance laws argue that society is forced to pick up the tab for non-insured bikers. Those who experience injuries from a motorcycle are often unable to get compensation for their medical expenses.