Due to favorable year-round weather, Florida had the second-highest rate in the country of motorcycle registrations in 2021. That same year, Florida experienced approximately 8,650 motorcycle crashes, resulting in more than 620 fatalities. In these crashes, nearly 2,000 people experienced incapacitating injuries, and about 5,400 had other injuries, according to Florida Highway Safety and Motor Vehicles.

An average of 6.36% of Florida motorists were uninsured in December of 2021. Anyone driving a motorcycle should understand motorcycle insurance requirements in Florida. The experienced motorcycle accident attorneys at Stevenson Klotz Injury Lawyers of Pensacola, Florida, can help you understand these requirements.

Understanding Motorcycle Insurance Requirements in Florida

Florida has strict insurance requirements for motor vehicles. To register a vehicle, owners need to prove they have at least $10,000 in property damage liability insurance and personal injury protection (PIP). However, under Florida law, a motor vehicle is self-propelled and has four wheels.

Therefore, motorcycles do not fall under the legal definition of a motor vehicle in the state. Although motorcycle owners need to register their motorcycles with the Department of Motor Vehicles, unlike other vehicle owners, they do not have to show proof of insurance. In fact, these owners do not have to purchase insurance in the state, with one exception.

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