In the state of Florida, you must have financial responsibility. The easiest manner to maintain financial responsibility is to secure a motorcycle insurance policy from a provider.
The minimum policy coverages are $10,000 in bodily injury liability for one person, $20,000 in bodily injuries for 2 or more persons involved in a single accident, and $10,000 per each accident in property damages. Florida is a no-fault state that requires personal injury protection for your car, but not for your motorcycle. You don't have to wear a helmet while riding your motorcycle if you are at least 21 years of age and have a minimum of $10,000 coverage with a medical insurance policy. Every motorcyclist must wear eye protection if their motorcycle doesn't have a windshield, no matter their age or if they have insurance or not.
The minimum state insurance policy for your motorcycle covers damages to others when you cause an accident. It is highly advisable to secure extra insurance from The Wurzel Agency to be able to pay for repairs and replacement should your bike be damaged.
At The Wurzel Agency, we know it can be confusing when purchasing motorcycle insurance and we are here to help you. You can call us or come by the office to find out more about motorcycle insurance and how you can get started.