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Motorcycle Insurance Laws: Florida
In Orlando, FL, motorcycle liability insurance is not optional. Liability coverage agrees to indemnify the insured for sums he may be required by law to pay to third parties as damages for bodily injury or damage to property. Your liability protection must satisfy or exceed specific minimum thresholds for personal harm to others and losses to 3rd party property.
- $10,000: Liability Coverage for Personal Injury to a Single Party in an Accident
- $20,000: Liability Coverage for Personal Injury of All Individuals in an Accident
- $10,000: Liability Coverage for Property Damage
Yes, just carrying $10,000/$20,000/$10,000 in FL motorcycle insurance is the lowest priced way to go. But less coverage equates to higher risks that your insurance payout will not cover your total healthcare costs if you injure or are injured by another motorist. Bear in mind that the cost of health care and personal property often increases faster than state liability limits get changed.