Motorcycle Insurance in Fort Myers, FL

Riding a motorcycle can be exciting, but it’s vital to remember that it also comes with significant risks. Florida does not generally require motorcycle riders to carry insurance to register their bike.

However, that doesn’t mean you should skip insurance altogether. An accident could leave you facing hefty medical bills, repair costs or legal fees without adequate insurance.

How Much Motorcycle Insurance Do I Need?

The amount of motorcycle insurance you need depends on a few factors, such as your state’s minimum legal requirements, bike value and personal risk tolerance.

If you ride often or have a high-value bike, higher coverage limits may be worth considering.

In Florida, you must be able to pay for any bodily injury or property damage you cause. If you choose to purchase motorcycle insurance, you’ll need minimum levels of liability insurance to cover damage to others.

Without insurance, you must post a security deposit or bond to cover these costs. Failing to meet these financial responsibilities after an accident may lead to the suspension of your driver’s license and motorcycle registration.

Additionally, if you’re over 21 and choose to ride without a helmet, you must retain certain levels of medical benefits.

What Does it Cover?

• Liability coverage may pay for medical expenses and lost wages for others if you’re at fault in an accident. It may also cover the repair or replacement costs of other people’s property you damaged in an accident.

• Collision coverage may pay for repairs to your motorcycle following a collision with another vehicle or object, regardless of fault.

• Comprehensive coverage may cover damage to your bike unrelated to a collision, such as theft, vandalism and fire.

• Uninsured/underinsured motorist coverage may provide financial aid if you’re involved in an accident with an at-fault driver who doesn’t have insurance or doesn’t carry enough coverage.

• Medical payments coverage may pay for your and your passengers’ medical expenses, no matter who is at fault.

Where to Get Motorcycle Insurance

For tailored coverage that fits your needs, contact Unbeatable Insurance today. We can help ensure you have adequate coverage for every ride.