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Motorcycle Insurance in Florida
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Having motorcycle insurance in Florida can be tricky to understand as Florida laws differ from most other states. At James Harmon Insurance Agency in Gainesville, FL, we can help you figure out your insurance issues and make sure you are fully covered for any event.
How Motorcycle Insurance Works
Unlike most states, Florida has the No-fault-law which requires you to have personal injury protection(PIP) on all your motor vehicles. This law does not apply to motorcycles. Also, you do not need insurance to register your motorcycle, so this can be said to the degree that you do not need insurance to ride a motorcycle in Florida. In truth though, insurance is essential and is based on the cyclist owning financial responsibility if an accident should happen. In fact, if you were to be involved in an accident and found to have no insurance(i.e., having no financial responsibility) you will get fined. All motorcycles in Florida at least need liability for three years to drive legally on state roads or show some form of financial responsibility. It is best though to connect with one of our agents here at James Harmon Insurance Agency to discuss it in detail.
- The Financial Responsibility Law—Overall this is your motorcycle insurance, and what motorcycle insurance is based on for Florida.
- Proof of Financial Responsibility—After our agency has set up your policy, a copy is sent DHSMV who will keep it on file. Still, you will need proof of your own to show. While your card from our agency can suffice, it is good to keep two forms on hand. You can contact the Bureau of Financial Responsibility directly to receive your Certificate of Financial Responsibility to have on hand as back up.
Call or visit with one of our local Gainesville, FL agents today to find out how to insure your motorcycle to drive legal and safe. Our agents can work with you and answer your questions and concerns. Reach out to us to get started.