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Why Florida Motorcyclists Should Carry Uninsured Motorist Coverage

Motorcycle lying on the ground next to a car after a collision on a roadway.

Florida’s roads are popular with motorcyclists, but they’re also home to a high number of uninsured and underinsured drivers. If you’re involved in a motorcycle accident with one of these drivers, the financial consequences can be devastating. That’s why uninsured motorist (UM) coverage is a must-have for motorcyclists in the Sunshine State.

While UM is not required for motorcyclists in Florida, uninsured motorist coverage protects you if you’re injured in an accident caused by a driver who doesn’t have insurance or doesn’t have enough to cover your medical bills, lost wages, and other damages. This coverage can also apply in hit-and-run accidents, where the at-fault driver flees the scene and cannot be identified.

For motorcyclists, this type of coverage is critical. Without the protection of a vehicle’s frame, bikers are more likely to suffer severe or life-threatening injuries in a crash. Carrying uninsured motorist coverage ensures you have a safety net when the unexpected happens, allowing you to focus on your recovery rather than worrying about how to pay your bills.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage (UM) protects you if you’re involved in an accident with a driver who doesn’t carry the required liability insurance. In Florida, drivers are only required to have a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). These limits are often far too low to cover the significant medical bills and other expenses that result from serious motorcycle accidents.

For motorcyclists, the stakes are even higher. Unlike drivers of other vehicles, motorcyclists are not covered under Florida’s PIP insurance, which typically helps cover initial medical costs after a crash. This makes UM an essential form of coverage for riders.

If you’re hit by an uninsured or underinsured driver, UM can help pay for:

  • Medical expenses such as hospital bills, surgeries, and physical therapy.
  • Lost wages if you’re unable to work due to your injuries.
  • Other damages, including pain and suffering that might otherwise go unpaid after a crash caused by an uninsured driver.

For motorcyclists in Florida, carrying UM is crucial to ensuring financial protection and peace of mind on the road.

How to Obtain Uninsured Motorist Coverage

Getting uninsured motorist coverage is relatively straightforward in Florida. Insurance companies operating in the state must offer UM to policyholders, but you can choose to reject it in writing. However, declining this coverage could leave you vulnerable in the event of an accident.

When considering UM, take the following steps:

  • Review Your Current Policy: Check your existing motorcycle insurance policy to see if it includes uninsured motorist coverage and evaluate whether your current policy limits are enough.
  • Compare Different Insurance Providers: Not all insurance companies offer the same level of coverage or pricing. It’s a good idea to shop around and compare quotes.
  • Seek Legal Guidance: If you're unsure about your insurance coverage, a motorcycle accident lawyer can review your policy and recommend the best options for your protection.

Need Help Understanding Your Motorcycle Insurance Coverage?

If you’re unsure whether your current motorcycle insurance policy provides adequate protection, the legal team at Armando Personal Injury Law can help. We can review your policy and explain your options, ensuring you have the coverage you need to stay protected on the road. We have years of experience helping injured motorcyclists in Tampa and throughout Florida navigate the complex insurance and legal processes. Our goal is to make sure you receive the compensation you deserve and the peace of mind that comes with knowing you're fully protected.

Protect Yourself and Your Future with the Right Coverage

Whether you need help understanding your insurance coverage or pursuing a claim against an at-fault driver, our law firm is here for you. We’ve helped injured riders throughout Florida recover the compensation they deserve, giving them the financial support they need to focus on healing and moving forward.

Don’t leave your future to chance. Contact Armando Personal Injury Law today for a free consultation. Let us review your insurance policy, explain your options, and help you protect yourself on and off the road.

“Very professional and attentive to every detail, was pleased with the way my case was handled and an excellent outcome.” – Don D., ⭐⭐⭐⭐⭐

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