The Florida sun is perfect for weekend getaways and enjoying the open road. Florida’s abundant sunshine is also a recipe for taking the motorcycle out and about to enjoy the weather. Before you do, you should consider what your options are and what’s covered under motorcycle insurance in Oviedo, FL. To get an accurate picture of motorcycle insurance, we must first look at Florida law in relation to motorcyclists.
Florida is one of a few states that doesn’t require a helmet to ride a motorcycle. If you choose to ride helmetless, you ARE required under Florida law to have motorcycle insurance. Riders who choose to wear a helmet while on the road are not required to carry insurance. Motorcycle insurance in Oviedo FL is at-fault insurance, meaning that the driver at fault in an accident is required to foot the bill for damages and personal injury which is handled by your insurance provider.
Under Florida law, minimum coverages under motorcycle insurance include $10,000 in injury liability coverage per person, $10,000 in property damage insurance, $10,000 in medical payments coverage, and $20,000 in injury liability per accident. There are other policies that you can get in addition to your regular motorcycle insurance to offer you extra protection. Collision insurance will pay for damages to your motorcycle in case of an accident regardless of who was at fault. If another driver hits you and they either don’t have insurance or don’t have enough to pay for your damages, uninsured motorist coverage will save you under these circumstances.
Florida is known for tropical weather and with this type of weather, you can be susceptible to severe storms and hurricanes. These types of weather conditions can damage your motorcycle and if you have Comprehensive coverage, these types of damages can be covered. Another type of addition you can get is Gap Insurance which will cover the remainder of what you owe on your motorcycle in case of a total loss accident. You can purchase all of these coverages and more at The Wurzel Agency in Oviedo, FL. Contact The Wurzel Agency today to find out more about Motorcycle Insurance and what your options are.