Motorcycle Insurance in Miami, FL
Insurance is an essential part of motorcycle ownership regardless of how frequently you ride. A policy may help cover expenses related to accidents, theft or other unexpected incidents.
Understanding Motorcycle Insurance in Florida
In Florida, riders must prove financial responsibility by carrying a minimum amount of property damage liability coverage and personal injury protection coverage. These minimums may cover harm or losses you cause to others. However, these amounts might not be enough in serious incidents. Increasing your liability limits may offer better financial protection in case of a lawsuit.
Recommended Motorcycle Insurance Coverage
Your coverage needs depend on how and where you ride and the type of motorcycle you own. You can select various types of coverage, such as the following:
- Property damage liability may pay for property damage you cause to others.
- Bodily injury liability may pay for medical treatments of third parties if you are at fault for an accident.
- Personal injury protection may cover lost wages and pay for hospital visits, ambulance transportation and other medical bills after an accident for you and your passenger.
- Collision coverage may cover your bike’s repair or replacement costs after a crash.
- Comprehensive coverage may provide financial aid following noncollision events like theft or severe weather damage.
- Uninsured/underinsured motorist coverage may prevent financial loss if you’re hit by an at-fault driver who lacks sufficient insurance.
Motorcycle Insurance Pricing
Motorcycle insurance rates are different for each policyholder. When calculating premiums, most insurers consider your age, location, driving history, motorcycle type, credit history and the amount of coverage you select.
Contact Us
Carrera Insurance offers motorcycle insurance plans that match a range of needs. Contact us today for a quote.