South Florida is a great place to ride a motorcycle. Knowing Florida’s helmet and motorcycle laws is essential to safe riding. Motorcyclists can ride in Florida year-round due to our great weather, and take advantage of incredible views. Whether you’re a commuter, or you enjoy riding along the ocean’s coast, passing through the Everglades, or even taking in the beauty of the 7-mile bridge in the Florida Keys; riding in Florida never disappoints.
Many people think Florida doesn’t have a motorcycle helmet law, but that’s not exactly the case. A rider can choose not to wear a helmet, but they need to be 21 or older AND they have an insurance policy with at least $10,000 worth of injury benefits in the event you’re in a motorcycle accident, according to Florida law 316.211(3b).
Any South Florida driver or motorcyclist knows that people Lane Split in South Florida all the time. Even though the practice is common, it is actually illegal to lane split in Florida.
When you’re riding a motorcycle, lane splitting is when you pass in the same lane as a vehicle, or when you ride the center line between two vehicles.
To legally ride a motorcycle in Florida, there are a few other laws and regulations to be aware of. We’ll touch on those here.
If you ride with a helmet, Florida is the only state in the US that does not require you to have motorcycle insurance in order to ride. If you ride without a helmet, however, Florida law says you need to have at least $10,000 in health insurance benefits that will cover your own injuries.
The only other exception in Florida is that any rider who was involved in a crash involving injuries or other violations, Florida law will then require those riders to get and keep insurance for bodily injury and property damage liability for three years.
Even though insurance is optional for riders who wear helmets, it’s still strongly recommended that you get insurance. Especially since 1 in 5 Florida drivers do not have insurance, it makes it all the more important for you to have insurance as a motorcyclist because it guarantees that you’ll have insurance coverage in the unfortunate event that you’re injured while riding.
All motor vehicle drivers in Florida are legally supposed to carry Personal Injury Protection (PIP) insurance policies. Even if you own a car and have this PIP policy, it doesn’t extend to you on a motorcycle in Florida.
Even though insurance isn’t technically required in Florida if you own a motorcycle, you will be penalized by the state if you’re involved in an accident and don’t have all the proper documentation. If you’re at fault for an accident, you will be held financially responsible for the bodily injuries and property damage you caused.
While not legally required, getting insurance for your motorcycle is a wise idea in Florida. It both helps protect you if you’re injured in an accident, and in the event anyone sues you for any damages or injuries you caused. Whatever you would pay in insurance premiums over your lifetime will certainly cost less than one lawsuit against you.
Getting an insurance policy helps protect you and limits your liability exposure. Having insurance is also a good idea if you ever ride your motorcycle outside the state of Florida, because other states do require you to have insurance.
Purchasing UM coverage (uninsured Motorist coverage) is also highly recommended, although not required, because usually the injuries sustained from motorcycle accidents exceed the limits that the minimum bodily injury insurance of another driver will cover. The UM insurance will also pay for your expenses after an accident if you’re injured by a driver who doesn’t have any car insurance or are injured in a hit and run accident.
Working with Rosenberg Law Firm’s Motorcycle Injury Attorney is as easy as 1, 2, 3:
If you were injured in a motorcycle accident you need to speak with an experienced Florida motorcycle accident lawyer as soon as possible. Please contact us online or call our Coral Springs office directly at (954) 755-7803 to schedule your free consultation.
We proudly serve Florida residents including all of Fort Lauderdale, Boca Raton, Miami-Dade County, Broward County, Palm Beach County, and all points in between.