Motorcyclists are Vulnerable on the Road: Does Your Insurance Cover You?


Motorcycle riding has come to symbolize freedom, spirit, and comradery. As a favorite American pastime, it is also unfortunately a dangerous hobby that results in injury and death all too frequently. It is important for all motorcycle riders to understand their most significant vulnerabilities on the road and obtain insurance policies that will more than adequately cover any unexpected expenses.

Motorcycle Safety Statistics

The National Highway Traffic Safety Administration (NHTSA), regularly provides statistics on a host of driving safety components. These statistics are often utilized to craft legislation aimed at protecting people when they get behind the wheel. According to the NHTSA, in 2015 alone, 4,976 people lost their lives in motorcycle accidents. That’s 8.3 percent higher than the number of people who died in motorcycle accidents in 2014. Sustained injuries, of course, tally much higher at 88,000. This means that motorcyclists are about 27 times more likely than passenger car occupants to die in a crash per vehicle mile driven, and five times more likely to sustain an injury.

Motorcycle Accident Causes

The majority of motorcycle accidents arise from the obstacles created by cars and motorcycles sharing the road together. More than anything else, motorcyclists die when cars strike motorcycles from the front in head-on collisions. Cars making left turns are also major dangers to motorcyclists, since they often don’t see the smaller motorcycles passing through the intersection.

Get the Right Insurance

Car insurance and motorcycle insurance are not the same thing, which means riders need a separate policy to cover their motorcycle and any related accidents and injuries. To make matters more complicated, unlike in other states, Florida’s motorcycle insurance laws are different than car insurance laws. All Florida vehicle drivers are required to have Personal Injury Protection (PIP) to cover medical bills and lost wages regardless of fault, but PIP does not apply to motorcyclists.

Florida’s minimum liability coverage requirements include $10,000 for one person in bodily injury liability, $10,000 per crash in property damage liability, and $30,000 in combined single limits. Furthermore, $10,000 in medical insurance releases riders of the requirement to wear a helmet.

Since driving without proper insurance not only places riders at risk of suspension and other legal ramifications, coping with the aftermath of a crash without insurance can be nothing short of devastating. As vulnerable riders, all motorcycle riders need the proper insurance.


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