Motorcycle Insurance

Motorcycle insurance is essential in Florida. It’s about liability and the very real threat of financial devastation. Under Florida law, if you are at fault in an accident, and are charged, the biker owner is on the hook for bodily injury and property damage to others. To others in the car you hit, to pedestrians or to your rider. You’re talking about the very real potential for a million dollars in hospital bills and property restoration. You are also open to lawsuits.

Protect yourself from financial ruin. Get motorcycle insurance now.
Call and schedule a free quote at (941) 921 2102.

When does Florida law require you to have your bike covered?

• Insurance is mandatory if you caused an accident, in which case you must have coverage for three years after the incident, in order to keep your cycle operator’s license and registration. Coverage is also required to reinstate your license, registration and tag after they have been suspended.
  
• If you do not carry motorcycle insurance with a minimum of $10,000 medical insurance coverage, you must wear a helmet
  
• Banks and other lenders often require collision insurance when they make loans for bikes.

In a serious accident, injuries to you and others are likely to result in substantially more than $10,000 in medical bills. The types of insurance you should discuss with us include:

• Motorcycle insurance for yourself
• Coverage for others

Why? There has been an alarming increase in motorcycle accidents in Florida.
There’s something about the feeling of freedom in motorcycling that contributes to an “it can’t happen to me” state of mind. But the number of cycle accidents in Florida has been growing by 500 a year since the year 2000. It’s estimated to be approaching ten thousand per year.

The number of cyclists killed has doubled in the same period.

What kind of motorcycle insurance should you investigate with our experts?
Collision coverage: Damage to the book value of your ride, with a deductible.
Comprehensive Coverage: Protects your loss from theft; wind; flood; fire; vandalism. It’s a good idea in the hurricane state. This also carries a deductible.
Medical payments: Pays for injuries to you and any passenger of your motorcycle. Is not always available.
Uninsured or underinsured motorist protection: Just as with car insurance, you are covered if you or a passenger is hurt in an accident with an uninsured motorist, a driver with too little coverage, or in a hit-and-run.
Bodily injury liability: It covers your legal costs if your motorcycle caused an accident and injures or kills someone and also covers their claim against you.
Guest Passenger Liability: Protection for legal liability if a rider is injured on the insured motorcycle.
Property damage liability: Covers claims for property damage that your motorcycle caused in an accident.

• Many consumer experts suggest that uninsured/underinsured motorcycle insurance is the most important motorcycle insurance. You are covered if you are injured by someone with no insurance, or too little to cover your bodily injury. This coverage can pay your medical bills, lost wages, pain and suffering, and even future damages.

Coverage for a tricked out ride
Custom Parts and Equipment coverage is part of physical damage liability insurance. It covers equipment, devices and accessories other than those that the manufacturer originally installs. Examples: audio equipment, antennas, CD players, sidecars, trailers, custom paint, custom exhaust, even helmets. This does not cover theft, only accident.

The most effective way to shop for motorcycle insurance is with a licensed professional
Call (941) 921 2102 for a free quote.

Trust us for motorcycle insurance in Sarasota, Bradenton, Venice, Port Charlotte, Parrish, Punta Gorda and North Port, FL.