Will Your Motorcycle Insurance Cover You In An Accident?

Riding motorcycles is a favorite American pastime, but unfortunately it is also a dangerous hobby that frequently leads to injury and death. As a motorcycle rider, you are extremely vulnerable to the reckless decisions made by distracted drivers. If you are involved in an accident with a negligent driver tomorrow, would your insurance cover all your financial needs?

Motorcycle Safety in Florida

The National Highway Traffic Safety Administration (NHTSA) estimates that 4,976 people lost their lives in motorcycle accidents in 2015 alone, an 8.3 percent increase from 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.

Unfortunately, Florida is one of the most dangerous states for motorcyclists. It leads the way in motorcyclist fatalities each year. Most crashes occur 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.

Double Check Your Insurance

Car insurance and motorcycle insurance are not the same thing. You need a separate policy to cover your motorcycle crash injuries and damages. To make matters more complicated, 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 for motorcyclists 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. If you don’t want to wear a helmet – which does put you at increased risk of injury! – $10,000 in medical insurance will release you of that requirement.

Get Legal Support After a Crash

Even with the right insurance, it’s possible that the responsible driver’s insurance company will not offer compensation that matches your true damages. If this is the case, get a personal injury and motorcycle attorney involved immediately.

The experts at Catania and Catania have served the Tampa, Florida area for more than 25 years to help the most vulnerable riders on the road secure the compensation they deserve after accidents. Call 1-800-253-5523 to schedule your free case evaluation with the Catania team today.

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