Auto Insurance Florida Question

June 5, 2008 by author · Leave a Comment
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Reader’s Question:

I have a motorcycle and I would like to know if motorcycle insurance is required in the state of Florida?

Ben

Orlando, FL

For the state of Florida motorcycle insurance requirements can be confusing. To register a motorcycle in FL, motorcycle insurance is not required . But, if a motorcycle operator is charged in a crash with injuries, then the motorcycle owner or owner/operator is financially responsible for bodily injuries and property damage to others.

If no liability coverage was in effect for the motorcycle at the time of the accident, then bodily injury/property damage liability insurance must be purchased and maintained for 3 years to avoid suspension of license and tag/registration or to reinstate license and tag/registration after suspension.

So liability insurance for motorcycle is voluntary and not mandatory unless you got involved and caused an accident but it is highly recommended to be bought for your protection. If you want to carry passengers it is also a good decision to see if you need extra insurance coverage for them.

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