Motorcycle Insurance

Make Sure You Have Proper Insurance Coverage


When you purchase a motorcycle and begin the search for insurance coverage, most insurance companies will say you have “full coverage”.  But, what does that mean?  Most bikers don’t understand what they are purchasing.  In the event you are injured in a collision caused by someone else, you want to make sure you have the coverage that is right for you.  Medical bills accumulate rapidly, so you have to make sure there is enough coverage to protect your every need.


Unfortunately on a daily basis, hundreds of thousands of Florida motorcycle riders are misinformed by their insurance carriers. This is a major concern we have for the biker community so we want to bring this issue to the forefront.  Insurance carriers are notorious for telling their insured, they have “full coverage” with no explanation of what that really means.  Are you fully covered when someone without car insurance crashes into you?  Without question, NO!  When negotiating your coverage with your insurance carrier, make sure to discuss Uninsured/Underinsured Motorist Coverage and make sure to ask about the benefits of getting your policy “stacked”.  Read below for more information on your options.


Personal Injury Protection (PIP) Coverage


PIP insurance (often referred to as “no-fault”) is required in the State of Florida if you own a vehicle.  What does PIP insurance cover?  Regardless of fault, your PIP insurance will pay 80% of your medical bills, 60% of your lost wages and will also cover some out-of-pocket expenses.  By Florida law, $10,000 is the minimum amount required, with additional coverage available for you to purchase.


Bodily Injury Liability (BI) Coverage


Under Florida law, Bodily Injury Liability insurance coverage is not a requirement.  This type of coverage pays for any injury the at-fault driver may cause to another person.  After an accident, to help cover the rest of your expenses, you will have the ability to submit a claim to the at-fault carrier’s bodily injury coverage.  Florida is one of the states with the highest population of drivers without bodily injury coverage.  Consequently, if you are injured, your own coverage of PIP insurance and Uninsured Motorist (UM) may be the only way you will find financial relief.


Uninsured/Underinsured Motorist Insurance Coverage


How Does It Work?

UM coverage is an additional insurance you can purchase as an extra protection for yourself.  In the event you are injured by a driver who does not have BI coverage or only carries limited BI coverage, you would be able to make a recovery under your UM insurance.  When purchasing UM coverage for multiple vehicles, the coverage can be added together or “stacked” for each vehicle insured.  If you are injured in someone else’s vehicle, your UM insurance follows you and provides you with another level of protection.


For 40 Years, the attorneys at the Law Office of Rue & Ziffra have provided legal expertise and results for those who have been affected by an Uninsured Motorist in Bunnell, Daytona Beach, DeBary, DeLand, Deltona, Edgewater, Flagler Beach, New Smyrna Beach, Orlando, Ormond Beach, Palm Coast, Port Orange and Sanford.


If you are injured by a driver who does not carry BI coverage or only carries limited BI coverage, if you have purchased UM coverage as additional insurance to protect yourself, then you would be able to make a recovery under your own UM insurance.  Known as stacking, when you purchase UM coverage for multiple vehicles, this coverage can be added together for each vehicle insured.  UM insurance will travel with you and provide protection even if you are injured in someone else’s vehicle.