It would be best if everyone had insurance, especially for a motorcycle. If someone loves it, someone should insure it. Insurance is there for when bad things happen to stuff. However, is motorcycle insurance required in Florida?
What Insurance Protects
The ability to repair or replace costly items like homes, cars, and motorcycles is usually outside the financial reach of the average person. This struggle is especially true if disaster strikes and destroys a favorite bike in an accident. Would they be able to afford a replacement bike should the worst-case scenario come to pass?
Living in Florida, there are many ways for disaster to strike. For example, a motorcycle can get damaged by hurricanes or even stolen. Sometimes, accidents happen. Florida motorcycle insurance will help keep them from shelling out serious cash should a precious bike become totaled.
First, know the state laws governing minimum coverage for motorcycle insurance. Florida requires motorcycle insurance, after all. However, motorcycle owners do not have to carry Personal Injury Protection insurance. In addition, if a motorcycle operator is over 21, as long as they meet the minimum coverage for a medical policy ($10,000), they do not have to wear a helmet.
Second, get a quote based on the amount of coverage needed. The perfect starting point is a current insurance company. They are vested in keeping the business and may offer a multi-vehicle or multi-policy discount. This route will save them from having two policies with two different companies.
Do not just take the insurer’s word that they are giving the best rates possible. Check the competition. Find the competitor’s site that offers many insurers’ rates for comparison. Florida Insurance Quotes […]