Does Florida PIP Cover Motorcycles? Florida does not consider a motorcycle to be a motor vehicle under its no-fault doctrines.

Florida PIP (personal injury protection) insurance does not cover motorcycles; it only covers vehicles with four wheels.

The 2019 Florida Statutes state that while Statute 627.736 covers all four-wheeled motor vehicles, it does not provide coverage for motorcycles or other self-propelled forms of transportation. Instead, Statute 324.021 recommends motorcyclists maintain a different type of insurance that provides financial responsibility in the event of an accident.

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Make Sure Your Motorcycle Has Adequate Coverage

A collision between a vehicle and a motorcycle can leave riders with severe injuries for a variety of reasons. First, a motorcycle is much smaller and lighter than a typical passenger vehicle. Additionally, a motorcycle rider is more exposed and vulnerable than the occupants of a car.

Statute 324.021 requires motorcyclists to have insurance coverage or proof of financial responsibility in the following amounts:

  • The bodily injury or death of one person: $10,000
  • The bodily injury or death of multiple people: $20,000
  • Property damage or destruction: $10,000

Do not rely on Florida PIP to cover motorcycles in a collision. Take steps to secure motorcycle insurance you can depend on when you need it most.

Motorcycle Insurance is a Strategic Choice in Florida

Although motorcycle PIP insurance is not available in Florida, it is always a smart choice to cover yourself with insurance protection. The mandatory auto insurance that includes Florida PIP does not cover motorcycles, which can leave a motorcyclist in financial distress following an accident.

If your motorcycle is completely uninsured, you can still be held financially responsible for medical bills and other expenses in the aftermath of a collision. Florida law requires every registered motorcycle owner to provide proof of financial responsibility, which can make insurance coverage a smart choice, even if it is not a legal requirement.

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Motorcyclists in Florida Must Comply with Other Regulations

Florida law requires motorcycle owners to demonstrate financial responsibility in case of an accident.

Additionally, Statute 316.211 also requires riders to take certain safety measures, including:

  • A helmet, if the rider is under 21 years old
  • Protective eyewear while driving a motorcycle
  • Specific license plates for drivers younger than 21 years old

Additional regulations also require specific safety measures for riders under the age of 16.

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Obtain Motorcycle Insurance in Florida

Florida’s PIP laws only cover owners of motor vehicles with four wheels. Florida PIP insurance does not include motorcycles or other self-propelled vehicles. If you or a family member are involved in a motorcycle collision, you cannot rely on PIP coverage. Lack of any motorcycle insurance protection can leave you with mounting bills after an accident.

Do not risk driving or riding on your motorcycle without beneficial insurance protection in place. Call the Law Offices of Anidjar & Levine at 1-800-747-3733 to discuss the coverage you need as a responsible motorcycle owner.