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Understanding the Different Types of Coverage in Motorcycle Accidents

Florida is the perfect state for motorcycle lovers. With its bright sunshine and great riding weather year-round, bikers flock to this state to enjoy the fun and relaxation they can only get on the back of a motorcycle. But if a Florida motorcycle accident occurred, would you know what your insurance covered you for? The motorcycle coverage laws are confusing and can leave any biker feeling lost.

Here are some of the most common types of motorcycle coverage you need to stay protected in case of a motorcycle crash in Florida.

  • Personal Injury Protection (PIP)—Florida has recently introduced this no-fault mandatory insurance. No matter who is deemed at fault in a Florida motorcycle wreck, you will receive coverage for 80% of your medical bills (which in most motorcycle accidents are quite high) and 60% of your lost wages. This coverage must be purchased by motorcyclists.
  • Property damage—This insurance protects against any damage done to the other person’s vehicle or property. You will only have to use this coverage if you are deemed at fault in the accident.
  • Collision insurance—This is the coverage that protects against damage to your bike regardless of who is at fault in a motorcycle crash in Florida.
  • Comprehensive insurance—This covers against any damages to your bike caused by any “acts of God” such as fire, lightning, weather or any other natural cause.

Knowledge Equals Power in Orlando Motorcycle Accident Cases

Knowing what your insurance covers is half the battle—the other half is getting the other person to pay for your medical and property damage after a Florida motorcycle crash. If you have been in a wreck, contact our Florida motorcycle accident attorneys for help negotiating the different coverage you and the other driver hold, and get the best compensation possible for your settlement.

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