Motorcycle Insurance Requirements for New Florida Residents

There are many reasons to move to Florida: beautiful beaches, sunny weather, rich cultural diversity, and more. However, establishing your residency is necessary if you are a new resident here to register and insure your vehicle. In addition, there might be several special steps you need to take if you own a motorcycle. To help you have an easier time, use this article as your guide.

What Are the Vehicle Registration Requirements in Florida?

Once you move to Florida, you have two options for your motorcycle: update your motorcycle’s registration address or get a new registration. Furthermore, as a new Florida resident, you must obtain registration, a driver’s license with motorcycle endorsements, and appropriate titling for the vehicle within the state of Florida. You also have to submit the necessary paperwork and pay fees to complete the entire registration process. At the same time, you might have to update your motorcycle insurance.

What Is the Required Motorcycle Insurance in Florida?

The requirements for bikers in Florida are different from other states. Drivers of four-wheeled vehicles have requirements based on no-fault and at-fault car insurance requirements amounting to 10,000 dollars for PIP insurance and property damage liability insurance. However, since motorcycles don’t have four wheels, the coverage for you as a biker is different. In other words, you cannot get your motorcycle insured on the same policy as your car.

The motorcycle insurance requirements fall under a purely at-fault system, so motorcycle insurance is required only in certain situations in Florida. For instance, helmet laws here state that you have to carry bike insurance if you choose not to wear a helmet while biking. If you are a biker in Florida, you must take at least:

• 10,000 dollars property damage liability insurance

• 10,000 dollars bodily injury liability coverage (per person)

• 20,000 dollars bodily injury liability coverage (per accident)

• 10,000 dollars medical payments coverage

What Are the Other Policy Options?

Getting your basic motorcycle insurance should be your priority as a biker in Florida. Once you get insured, have more peace of mind and receive extra protection by expanding your policy with these options:

• Gap insurance: This is also known as loan payoff insurance. By having this policy option, you don’t have to worry about paying off your vehicle loan cost if your motorcycle gets lost.

• Collision insurance: This coverage pays for damage to your motorcycle after being involved in a road collision.

• Comprehensive insurance: This coverage pays for the repairs if your bike gets damaged by non-accident threats, like theft, weather, or vandalism.

• Uninsured or underinsured motorist insurance: This coverage can compensate you if another motorist who does not have the appropriate insurance is at fault for your bike’s damage.

Conclusion

Being a new Florida resident means being responsible for establishing your permanent residency by getting your motorcycle insured. Although the process seems tricky because some changes might apply, fortunately, you now have a better understanding of it through this guide. If you need further assistance, consider reaching out to our experts.

If you are searching for motorcycle insurance in Kissimmee, get in touch with Sanford Insurance Center. We are an insurance company that represents six companies. So whether you are looking into basic, comprehensive, or full coverage, you can get the policy that suits your needs from us. Get a free quote today!