Although motorcyclists represent only two percent of drivers on the road, motorcycle accidents comprise eight percent of accident-related fatalities. Motorcycle riders in accidents involving other vehicles have a staggering 98 percent chance of sustaining an injury! Tragically, most motorcycle accidents could not have been avoided by the motorcycle rider and could have easily been avoided by the driver of the other vehicle. That’s why you need the experience of a motorcycle accident attorney Fanny Nater if you or a loved one is involved in a motorcycle accident.
Attorney Nater will work with accident reconstruction experts and who understands issues related with motorcycle design and manufacturing and roadway design as it pertains to motorcyclists.
Motorcycles do not have the weight, protective enclosure or safety features automobiles have, so injuries sustained tend also to be more severe than those of the driver of the other vehicle. Motorcycle accidents often involve bone fractures, brain injuries, burns and amputations.
There does not need to be a collision with another vehicle for the motorcycle rider to potentially recover compensation. If the other vehicle cuts off the motorcycle and causes it to veer off course and crash, the other vehicle’s driver may be held responsible.
As a result, motorcycle riders must be aware of their legal rights and remedies if they are involved in a traffic accident.
If you own a motorcycle or moped and want―or need―to establish financial responsibility for it, you might be able to choose one of the following methods:
- Purchase liability coverage from an insurance carrier licensed to do business in Florida. This is the most common way to establish financial responsibility for any vehicle.
- Obtain a Financial Responsibility Certificate from the Bureau of Financial Responsibility after you: Post a surety bond with a state-licensed company.
- Deposit cash or securities with the Department of Highway Safety and Motor Vehicles (DHSMV).
- Obtain a Self-Insurance Certificate from the Bureau of Financial Responsibility after you provide evidence of possessing a net encumbered capital.
Florida Motorcycle Insurance Requirements
The DHSMV recommends contacting a licensed insurance agent for specific details about purchasing insurance for your motorcycle.
Financial Responsibility Law
You might want to use the state’s minimum liability coverage requirements for private passenger vehicles as outlined in the Financial Responsibility Law as guidelines:
$10,000 for 1 person in bodily injury liability
$20,000 for 2 or more people in bodily injury liability
$10,000 per crash in property damage liability
To make sure you’re as protected as possible. As you get a motorcycle insurance quote, you might want to browse other types of coverage as well.
A Note on Florida's No-Fault Law
Florida is considered a “no-fault” state, meaning you are required to have personal injury protection (PIP) coverage for your car. These no-fault laws do not apply to motorcyclists.
How Coverage Affects Helmet Requirements
Motorcyclists who are at least 21 years old and have a minimum of $10,000 with a medical insurance policy don’t have to wear helmets while operating their bikes. However, every motorcyclist, regardless of age or insurance, must wear eye protection unless the motorcycle has a windshield.
If you have injured in a motorcycle accident anywhere in Florida, give us a call anytime 7 days a week at 407-688-8896 to discuss your case with your attorney Fanny Nater of Nater Law Firm.