What Is Covered Under Motorcycle Insurance in Oviedo, FL

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.

5 Tips for Motorcycle Driving Safety

Oviedo FL has the perfect weather for motorcycle riding. However, there is danger lurking on the streets if you don’t use caution when riding your motorcycle. At The Wurzel Agency, we have put together five tips that will help keep you safe on the Oviedo, FL streets and highways. 

1. Drive Defensively

As a motorcycle rider, you’re exposed and vulnerable to other drivers. Sometimes they can’t see you and you always have to keep this in mind. In fact, almost two-thirds of motorcycle accidents occur because a driver violated the right of way, typically by not noticing the motorcyclist. 

2. Wear a Helmet and Other Gear

Even if you’re running to the corner store for a loaf of bread, put your helmet on along with a face shield or protective eyewear. This will help prevent injuries to the face and head if an accident were to occur. Also, wear protective riding gear that will minimize injuries to other areas of your body. 

3. Drive Sober

The last thing you want is to ride your motorcycle impaired. This could be from medication, alcohol, or recreational drugs. The chances of causing severe harm to yourself or others by riding impaired go up exponentially when not riding at peak performance. This includes feeling sleepy. 

4. Follow Traffic Rules

Traffic rules are put in place for a reason. When they’re followed, this results in fewer accidents. Always do the speed limit and recognize that traffic laws change from state-to-state so it’s important to educate yourself before going on a road trip. 

5. Stay up to Date on Riding Safety

Take the time to enroll in a course or two that teaches strategies and techniques you can use to keep your ride safe and free from accidents. Contact your local DMV or community college for more information. 

To learn more about motorcycle safety tips and to purchase an insurance policy for maximum protection, contact The Wurzel Agency today. 

The Importance of Taking a Motorcycle Safety Class

If you own a motorcycle, safety should always be one of your highest priorities. Whether you have ridden for one month or 30 years, it’s crucial to stay up to date on all of the motorcycle laws in Florida and also learn about new safety maneuvers that are being introduced. Agents at The Wurzel Agency serve motorcycle owners throughout the Oviedo, FL area, as well as many of the surrounding communities. We can also help you find details about where motorcycle safety classes that are being held in your area. 

Better Understand Motorcycle Laws

A motorcycle safety class will give you valuable information on the laws that are in place in the state of Florida. In Florida, you do not have to wear a helmet if you are over the age of 21 and have the required amount of medical insurance. With that being said, it is vital that you know the laws of the road and abide by them to minimize your risk of an accident.

Learn How to Handle Your Motorcycle Safely

The purpose of a motorcycle safety class is to teach you how to ride safely in a variety of situations. You will learn various maneuvers and techniques that are designed to keep you and your passenger as safe as possible while you are riding along Florida’s highways.

If you are interested in learning more about motorcycle insurance and motorcycle safety classes, call and schedule an appointment with one of the agents at The Wurzel Agency. We serve people from Orlando to Oviedo, FL, and many of the surrounding communities and are ready to give you the answers you need. Call and talk to an agent today!