If you live in any part of Florida, motorcycle insurance coverage is obligatory. In truth, insuring your motorcycle is obligatory in all but three states. Usually, this means that you are not able to plate a motorcycle or scooter without showing your insurance card to the Dept. of Motor Vehicles personnel.
That said, we feel that riders should never be forced to face exorbitant monthly premiums. The best way to track down the cheapest price on Tampa motorcycle insurance is to assess the premiums available from rivalling companies. Please key in your postal code into the field provided to start shopping around for the optimal coverage
Motorcycle Insurance: Florida Laws
Florida riders don’t always need to purchase a really expensive, full coverage policy. Under the law, only motorcycle liability insurance is considered necessary. Liability coverage is insurance against legal liability to pay compensation and court costs where the insured has been found negligent in respect of injuries sustained by another person or damage to his/her property. The state has published the minimum liability coverage. There are 3 minimum liability coverages detailed:
- $10,000: Liability Coverage for Personal Injury to a Single Party in an Accident
- $20,000: Liability Coverage for Personal Injuries to All Parties in an Accident
- $10,000: Liability Coverage for Damage to Property
Trying to determine what amount of coverage to buy? On the one hand, just having $10,000/$20,000/$10,000 in FL motorcycle insurance is the most cost effective option. But less coverage translates to higher risks that your insurance payout will not cover your total health care costs if you injure or are injured by another motorist. Bear in mind that the cost of medical care and personal property often inflates faster than legislation gets changed.