When you first get a motorcycle, you'll have to prepare some things in preparation for being able to take it out on the road. One of those things is getting the proper motorcycle insurance to meet your needs. The team at Nest Insurance Services of Florida will advise you and set you up with a policy that considers your unique situation.
Minimum Liability Requirements in Florida
In every state, motorcyclists are at least required to have liability insurance. Minimum limits do vary, so you'll want to sit down and talk to an independent agent about the amounts and if you should have more added.
There are a few other common types of policies you likely want to get for your motorcycle insurance coverage:
- Collision pays if there's damage to your motorcycle during an accident, excluding the deductible amount you choose when you set up your policy.
- Comprehensive pays if your motorcycle is damaged from something besides a collision with another vehicle or if it's been stolen. It does cover if you get into an animal collision. There's a deductible when you get comprehensive.
- Medical payments (also known as MedPay) are not available in all states, though, it is available in Florida. This covers medical bills if you and/or your passenger become injured in an accident. It's not like Personal Injury Protection (PIP) because it won't cover your lost wages and various other costs related to your injuries. This is good to have if you lack health insurance.
You also may qualify for add-ons that aren't as typical such as roadside assistance and trip interruption coverage.
Discuss motorcycle insurance with the professionals at Nest Insurance Services of Florida. You'll be pleased with the personalized attention and guidance you receive about what coverage would be ideal for you.