The ins and outs of Florida motorcycle insurance

The bill comes in the mail and you hang your head, wondering how in the world you’re going to pay thousands of dollars of medical bills. It’s a scenario that millions of Americans find themselves in if they’ve been involved in a motor vehicle accident and sadly, they weren’t carrying insurance at the time of the crash.

Even though insurance is critically important should you ever be involved in an accident and hurt yourself or someone else, many people either don’t carry insurance, or carry minimum liability policies. Some people who choose not to carry insurance have the attitude “well, I’m a good driver and have never been in an accident.”

“If” is a huge word and carries many implications. What “if” you’re cut off by someone who was paying more attention to their phone than the road? What “if” you are rear-ended by a driver who failed to stop in time? What “if” it’s not your fault, but you find yourself in the hospital with a broken collarbone?

With so many motorists on the roads and highways every day, it’s imperative that any person operating a motorized vehicle carry insurance, for all of the aforementioned “what if” scenarios. 

Is it worth the risk?

The risks from not carrying insurance increase further if you’re a motorcyclist. According to, every day thousands of motorcyclists are involved in accidents. Accidents that can leave you seriously injured with numerous injuries and mounting hospital bills.

Although insurance rules and regulations vary greatly by state, the majority of states require, by law, that motorists carry a minimum of a liability insurance policy. Florida motorcycle insurance rules differ somewhat and it’s actually not required by the state that a motorcyclist carry insurance. However, anyone operating a motorcycle is strongly encouraged to protect themselves and their checkbook by carrying insurance.

If you don’t carry Florida motorcycle insurance, you could be asked to provide proof of financial responsibility. The easiest and most common way people choose to do this is by purchasing a liability policy. Riders can also choose to get a financial responsibility certificate, or you can choose to post a surety bond with an insurance company. You may also choose to get a self-insurance certificate if you meet certain income criteria.

Don’t pay the penalties

Unfortunately, many drivers choose to ignore the state’s recommended guidelines and they can find themselves in financial hot water if they cause an accident and cannot show proof that they can pay for damages. If this occurs, your driver’s license, registration and motorcycle plates could be suspended. You could also be forced to pay steep reinstatement fees to get your privileges back. 

When in doubt, check it out

Again, the laws vary greatly state to state, so it’s highly recommended that you contact the Department of Motor Vehicles to obtain information on Florida motorcycle insurance rules. Insurance from places like this is there for a reason. It takes away the “what ifs” and gives you the assurance you need that should an accident occur, you’ll be covered and not facing a mountain of medical expenses. 

Florida Auto Insurance In A Rental Car Accident

If you’re traveling in Florida, you may find yourself with the occasion to use a rental car. Taking this option can make your trip far more convenient and rental car companies are great these days about providing as many services as necessary to make your experience as enjoyable as possible. However, if you don’t know about Florida auto insurance rental car accident, your enjoyment will be short. So before you rent a car in Florida, be sure you continue reading the rest of this article or check out this site to read up on Florida auto insurance laws..

Renting a Car

There are a number of things that go into renting a vehicle in Florida, about the offer of insurance is almost always part of it. Depending on whom you speak to, this is either tantamount to a scam or an easy decision to spend a few bucks in order to potentially save yourself a lot of money in the worst case scenario. The truth is that there are a number of things to consider to best make this determination.

Call Your Agent

If you have a license and drive in Florida, you should have auto insurance. If you don’t, that should be your main concern far before trying to figure out Florida auto insurance rental car accident. You could face a serious fine or ticket if you’re pulled over without insurance and probably won’t be able to rent a car anyway. I would visit a website like this one where they can quote you on every available insurance rates.

However, if you have an insurance agent, you should give them a call whenever car rental is a possibility in your future. That’s because your current insurance policy may already cover car rentals, making the step a redundant one.

That being said, every policy is different. So the actual coverage you’ll receive is going to be different too when it comes to deductibles and other details. So make sure your agent spells this all out for you. Even if you already have a policy, some form of Florida auto insurance rental car accident may turn out to be a good idea.

Check with Your Credit Card Agency

You may be surprised to find out that your next call after speaking to your insurance agency should actually be your credit card agencies. That’s because a number of these companies actually offer their own form of rental car insurance. Just check for the customer service number featured prominently on the back of your card.

That being said, credit cards have limits on how long they’ll cover your rental car for, though it generally lasts for at least two weeks. Furthermore, they usually provide what is known as secondary coverage. This means, in the event of an accident, they’ll insist you first run your claim through your insurance company, the rental car agency, etc. before turning to them.

So the next time you’re renting a car, the truth is that it actually probably doesn’t pay to buy the insurance. However, it absolutely will pay to first do your homework on the matter. Review the above information to find out if you’re already covered or what your best option will be for insurance. If you fear you may not be covered, check out to get a quote on a new policy that will cover you in this type of situation.

Home Insurance Florida residents actually want.

While every home is different, coverage by state can be different as well. One example of this is Florida. The Sunshine State is known for weather conditions that may be typical for one area but is out of the ordinary for another. Tornadoes and hurricanes are actually quite common. Not to mention extreme flooding! It’s best that your home is protected against these perils.

Getting home insurance Florida residents find affordable will be quite the task. This is due to FL having the highest rates compared to the rest of the country. So before you dive in head first and shop for coverage here, be sure to ask your agent these questions.

Questions you must ask your Florida homeowners insurance agent

  • What coverage is considered mandatory? If you live in a high flood area, is it mandatory that you add flood insurance to your policy?
  • How soon after you sign up will your insurance coverage be in place? If you sign up for your insurance in the morning and someone robs your home that evening, will your personal possessions be covered? Is there a waiting period? How long does it take to process the paperwork?
  • Do they offer any bundle discounts? Ask the insurance agent if you can save money by bringing your automobile and life insurance to this company as well.
  • What is this company’s rating? All insurance companies are rated by A.M. Best so you have some idea of the quality of the company you are dealing with. Just as the grading is at school, an A rating is at the top of the list.
  • What other kinds of discounts does this insurance company offer? Are there discounts for being retired? Can you save money by having a security system installed?
  • Find out in advance if any structures that are not attached to your home are covered under your policy. Sheds and carports could be damaged during a storm so it would be good to know in advance if they will be replaced.
  • Will your insurance policy cover any expenses you have to pay out of pocket if you are displaced during a major storm? This should be spelled out in advance so you know exactly what your coverage contains.
  • What do you need to know about insuring your personal possessions? If you have recently purchased a piece of jewelry but didn’t call it in yet, would it be considered covered?


Asking these questions is crucial when it comes time to shop for home insurance in Florida at If you do not want to overpay and do not want to end up with extra coverage that’s costing you for no reason, ask these questions! Remember, just because coverage in FL is a bit more expensive doesn’t mean you cant save some cash!