Do you need motorcycle insurance in Florida? Well, not exactly as you put it.
Insurance is an essential part of life, especially if you have a lot to cover. The motorcycle, including other valuables and properties, requires some coverage considerations.
To answer this question, It would help if you had motorcycle insurance as a resident of the state of Florida. However, no law binds you to purchase motorcycle insurance.
You need to know more about this motorcycle policy in Florida. This article will inform you about all you need to know about that and Florida policy.
What is Florida’s policy on motorcycle insurance?
Most states in the U.S. require their residents to purchase motorcycle insurance. Motorcycle insurance protects you when an accident occurs with your bike, scooter, or moped.
It pays for your liability in the event that your motorcycle caused damage to someone or their property. Motorcycle coverage also pays the cost when your motorcycle is vandalized, stolen, or destroyed by fire or flood.
Moreover, how your motorcycle is covered depends on the extensiveness of your coverage policy. You may choose full coverage or select what must be protected.
That said, in Florida, no law binds you to purchasing or owning motorcycle insurance, even though it comes highly recommended. You will pay for your financial obligations when your motorcycle gets involved in an accident.
Motorcycle owners are instead expected to register with the state of Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Now, state law insists that all motorcyclists complete motorcycle registration under FLHSMV.
Do you need motorcycle insurance in Florida? If not, what qualifies you to own and ride a motorcycle in Florida?
Your qualification to drive a motorcycle in Florida depends on if you are a new or experienced motorcyclist. Either way, you must be endorsed by the appropriate authority to ride.
Since you do not require insurance for your motorcycle, you must own a driver’s license or a Motorcycle Only license.
To begin your endorsement as a new rider in Florida, you must take some courses and undergo training called the Florida Rider Training Program (FRTP). The training enlightens the beginner on how to avoid crashes and manage the environment where they ride in Florida.
New motorcyclists also must sit and pass the Basic Rider Course (BRC) or the updated version of the course. When you complete this training, the result will be submitted electronically to the department for evaluation.
After that, you must pay the endorsement fee that will help process your endorsement. Meanwhile, some cases will make an endorsement fail to work.
What can deny you a motorcyclist endorsement in Florida?
Age is one factor that will not get you endorsed for riding a motorcycle in Florida. Anyone below 16 can not drive a moped, motorcycle, motorized scooter, or any motor-driven cycle.
Also, motorcyclists from other states must follow the rules guiding motorcycle driving within the state.
Requirements for Motorcycle Endorsement License in Florida
Before the appropriate authorities in the state can endorse you to drive a motorcycle, you must meet some criteria. That includes:
- Have a valid E Class operator driver’s license
- Be above 16 years
- Complete the Basic Rider Course (BRC) or the Basic Rider Course Updated (BRCu), a safety motorcycle course from the authorized sponsor.
- Visit a driver’s license or tax collector’s office and tell them you just finished your course. Provide them with a valid ID and pay your required endorsement fees.
Conclusion
Finally, do you need motorcycle insurance in Florida? Not necessarily. You only have to follow these steps to get registered. But yes, it is against the law not to register your motorcycle with FLHSMV.
