The state of Florida does not require motorcycle insurance. However, if you are operating your motorcycle and are charged with a crash with injuries, then you will need to purchase insurance to cover bodily injuries and property damages to others. Also, if you are under the age of 21 and do not carry a minimum of $10,000 medical insurance coverage, you need to wear a helmet.
It's a good idea to have at least minimal insurance coverage on your motorcycle, such as is mandatory for cars. A 10/20/10 policy includes $10,000 liability insurance for bodily injury to one person in one accident, $20,000 liability insurance for bodily injury of more than one person in one accident, and $10,000 property damage liability.
Minimum liability insurance does not cover any of your losses in an accident. You can add collision insurance from JetStream Insurance Group LLC to pay for damages to your motorcycle in the case of an accident and comprehensive coverage to pay for repairs or replacement of your bike in case of any type of damages other than a collision. This portion will cover theft, fire, vandalism, and weather-related damages. You can add different types of insurance, such as medical payments to pay for your injuries and your passengers' injuries, as well as personal injury protection for an added layer of coverage. You can also add uninsured and underinsured motorist coverage to cover your medical bills and property damages costs related to an accident in which the other party has either too little insurance or no insurance to cover all your damages.
At JetStream Insurance Group LLC, we can help you to decide precisely what amount of motorcycle insurance you may need to recoup any losses in an accident. You can give us a call or stop by the office in Doral, FL for information on motorcycle insurance.
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