How Motorcycle Insurance Differs from Car Insurance

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How Motorcycle Insurance Differs from Car Insurance

A motorcycle accident attorney in Tampa is often asked how motorcycle insurance is different from car insurance as far as the law is involved.

Good question. On the one hand, it may seem that insurance is assurance, regardless of the type of transportation that is involved and that the victim should receive medical treatment and other benefits no matter what. However, when dealing with bikes versus automobiles in Tampa, there are some major differences regarding insurance requirements and the benefits you can receive.

When It Comes to Motorcycle Insurance, Remember This

Motorcyclists are not required to have insurance coverage when registering their bikes in Tampa, but in the case of a collision, there are heavy ramifications. Note that:

  • When a motorcyclist has coverage on a car, it does not also cover the bike.
  • In the case of a collision, the car insurance of the driver involved does not cover the motorcyclist.

When a motorcyclist obtains coverage in Florida, they do not receive first party coverage— some companies offer a modified version of personal injury protection (PIP) for bikers, but one thing to keep in mind is that it is not legally regulated in Florida. This means that, unlike a car driver, in most cases the motorcyclist does not have PIP, which ensures regardless of fault, and includes:

  • Medical benefits
  • Income loss benefits

There are different options that insurance companies make available for bikers. Your motorcycle accident attorney can review all the details of your coverage if you should ever be involved in an accident.

  • Property damage: this covers the other person’s property that you damage in case of an accident.
  • Uninsured motorist coverage: this covers the motorcyclist if the individual responsible for the crash does not have coverage or if the sum is not enough to cover all of the expenses.

Call Your Motorcycle Accident Attorney at K Law!

If you suffered injuries in a collision in Tampa, you should act right away. Correctly understanding your insurance coverage and the details of your case can help you take the proper steps to avoid the difficulties that arise in bike collision cases. For a free consultation with a Florida motorcycle accident attorney, contact K LAW or call today at (813) 866-8600. We are all the help you need!