Peace of Mind for open road.
Motorcycle insurance is similar to car insurance in that the policy offers you financial protection for injuries or damages incurred while driving your vehicle. A typical motorcycle insurance policy includes liability insurance, which pays for any losses you cause to others, but it can also include coverage for your bike and injuries. If you have more than one motorcycle, you can purchase a multi-bike policy and often receive a discount from your insurer.
On the other hand, if you ride another bike, such as while traveling or when borrowing one from a friend, your motorcycle insurance may not cover you adequately. Typically, your liability insurance will follow you and act as either primary or secondary coverage if you’re involved in an accident.
Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.
Learn More About Motorcycle Insurance Coverage
Florida Insurance Requirements
Understanding the different types of coverages can help you find the right Motorcycle insurance policy for your needs and budget.
Why do you need Motorcycle Insurance?
Riders in the state of Florida do not have to show proof of insurance to register their motorcycle, and they are not required to purchase a motorcycle insurance policy.
Riding a motorcycle without insurance is widely ill-advised because you be financially responsible for any injuries or losses and potentially sue you for any damage or injuries you cause.
Unless you have unlimited funds and don’t mind parting with them, it’s generally advisable to have coverage to manage your liability exposure. On top of this, if you frequently take your motorcycle out-of-state for road trips, there may be requirements in those states you’ll also have to follow.
Motorcycle coverage may seem like an unnecessary cost for many riders. However, motorcycle insurance is not only the smartest financial investment you can make for your assurance.
Here are some specific circumstances that motorcycle insurance would cover:
At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.
What does Motorcycle Insurance Cover?
When you purchase motorcycle insurance, you will have to decide what types of motorcycle coverage to purchase. Policy options are additional but cover all of your bases in case of an accident. At minimum, we recommend you carry liability coverage for property damage as well as PIP. Listed below are the different types of motorcycle insurance coverage you could purchase and what they cover.
Typical Florida Homeowners Policy Components.
General liability includes coverage for bodily injury or property damage due to an accident you cause.
Personal Injury Protection
This overage pays for bodily injury or death resulting from an accident regardless who at fault.
This overage pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other perils.
This coverage pays cover you when another driver lacks adequate coverage to pay the medical costs of an accident.
Then some coverages are unique to motorcycle insurance, including:
What does Motorcycle Insurance Cover?
Motorcycle Insurance vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence an Motorcycle insurance rates.
— Your age, your gender, your marital status, and education will affect your insurance rates in different ways.
— Your Riding record and loss history plays a substantial role in the rates.
— Your daily driving routine and what purposes you use of your motorcycle.
— The price, style and age of your motorcycle all contribute to how much car insurance costs will be.
— The better your credit, the more favorable your rates will usually be.
— Claims maid on a homeowner’s insurance policy it'll increase the premium.
— Insurance companies underwrite at the household level, meaning they try to base insurance rates on the habits of the entire family.
— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.
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