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[ragrep]

Riders in FLA- what do you pay for basic state required ins coverages? Who do you insure with? I just moved to FLA, and have 4 bikes to insure- It really sucks that someone wont write a policy that covers the bike that your riding at the time. Cant ride-em all at once.

Thanks

[miker]

It deepnds an what part of Florida...I am down here in the chit and pay about 620 a year for the basics. 100k unisured, I need to up that, than ks for coasting me more money!   

[Rooster452]

Mine just bounced up to $750.00 a year for all the chrome I just added.

[Georgehjr]

You could drive them crazy and just cover the bike your riding, as Fla for some stupid reason does not require insurance

[miker]

Florida does require insurance:

Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag.

http://www.flhsmv.gov/ddl/frfaqgen.html

[Georgehjr]

I just put a Fla plate on my bike in March 2008, was told at the time did not need insurance I am just a part time Fla snow bird,  and found the folllowing info in various web site, any Local's know the law for sure?

Not trying to be a smart a, just trying to follow the rules

ANSWERS . . .

I am registering a vehicle for the first time in Florida. Is automobile insurance mandatory?

Yes. If you own a vehicle with at least four wheels and are registering it, you must have Florida insurance.---note 4 wheels


What type of insurance is required to purchase and maintain a Florida tag and registration?

Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag

My understanding is you only need insurance if you ride with out a helment
------------------------

Motorcycle Helmet Exemption
In an effort to answer questions our department has received regarding the motorcycle helmet exemption law, we provide the following information.

Who is eligible?
Only those individuals who are:


21 years of age or older and
covered by an insurance policy providing at least $10,000 in medical benefits

When did the law take effect?
The law went into effect on July 1, 2000.

What proof of insurance is required?
The department is advising law enforcement to accept a health insurance card (or actual policy or declarations page) from a HMO or Blue Cross/Blue Shield or some other recognized health insurance provider as proof. The card must show current insurance.

In addition, limited motorcycle medical coverage will also suffice. Contact your insurance carrier for more information. However, PIP coverage under a personal passenger vehicle policy would be insufficient for either the operator or passenger on the motorcycle.

Can I get stopped by law enforcement just for not wearing a helmet?
Like Florida's seat belt law, our department has determined that enforcement for this provision of law should be secondary. That is, an officer should not initiate a traffic stop only to determine if a person has insurance coverage. However, a trooper or other law enforcement officer may stop a motorcycle operator or passenger riding without a helmet based on reasonable suspicion the operator or rider is under 21. A law enforcement officer should not stop someone riding a motorcycle without a helmet only to check his or her age.

Read the department's legal opinion in its entirety. You will need Acrobat reader to view.

[miker]

  Is insurance required for motorcycles in Florida?     

Under certain circumstances Yes. Insurance is not required to register motorcycles as with four-wheel motor vehicles. However, if a motorcycle operator is charged in a crash with injuries, then the owner or owner/operator is financially responsible for bodily injuries and property damage to others. If no liability coverage was in effect, then bodily injury/property damage liability insurance must be purchased and kept for three years to avoid license and tag/registration suspension or to reinstate license and tag/registration after suspension.
*  What about motorcycle passenger insurance?     
If you plan to carry passengers it is a good idea to ask your insurance carrier about the need for carrying passenger insurance coverage.
*  Is there a minimum age requirement for motorcycle passengers?     
Florida law does not address a minimum age for passengers. However, other laws may apply such as endangering a minor.

Boy how is that for ambiguity George?   
 

[Georgehjr]

Just found this info

http://motorcycles.hsmv.state.fl.us/cycles.cfm?getsubid=6

Is there a lawyer that can translate

Damm,



Insurance for Motorcycles     
*  Is insurance required for motorcycles in Florida?     
Under certain circumstances Yes. Insurance is not required to register motorcycles as with four-wheel motor vehicles. However, if a motorcycle operator is charged in a crash with injuries, then the owner or owner/operator is financially responsible for bodily injuries and property damage to others. If no liability coverage was in effect, then bodily injury/property damage liability insurance must be purchased and kept for three years to avoid license and tag/registration suspension or to reinstate license and tag/registration after suspension.
*  What about motorcycle passenger insurance?     
If you plan to carry passengers it is a good idea to ask your insurance carrier about the need for carrying passenger insurance coverage.
*  Is there a minimum age requirement for motorcycle passengers?     
Florida law does not address a minimum age for passengers. However, other laws may apply such as endangering a minor.
 

[ragrep]

Miker/Georgehjr

Thanks for all the details. I registered all of the bikes- they did not ask for proof of insurance for any of them. Told me it was not required to get my tag. But I am still unsure though what the state actually requires, its crazy. I wouldnt go with out, just looking for the best price on coverage.

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