PIP Coverage for Florida Motorcycle Injuries
Florida is a no-fault insurance state, which means that Personal Injury Protection (PIP) coverage is a mandatory part of auto insurance policies. PIP is designed to provide quick access to funds for accident expenses, regardless of fault, but when it comes to motorcycles, the rules surrounding PIP coverage are significantly different. Have a conversation with a Boca Raton personal injury lawyer if you’ve been involved in a recent motorcycle collision.
Does PIP Cover Motorcycles in Florida?
PIP coverage is a type of insurance that applies to auto accidents involving cars, trucks, and other standard vehicles. It covers up to 80% of medical bills and 60% of lost wages, up to $10,000 and pays out regardless of who caused the accident. Unfortunately, PIP does not extend to motorcycles in Florida. Even if a motorcyclist has an auto insurance policy with PIP, the coverage is specific to standard vehicles and does not apply when operating a motorcycle.
Motorcyclists are not required to carry PIP coverage, but they must meet the state’s financial responsibility requirements. This often involves having bodily injury liability and property damage liability insurance.
While PIP coverage is unavailable, there are other ways for injured motorcyclists and passengers to secure compensation.
- Health insurance. Your health insurance policy may cover medical bills incurred due to a motorcycle accident, but you’ll need to account for deductibles, co-pays, and potential policy limitations.
- Bodily injury liability coverage. If another driver was at fault for the accident, bodily injury liability insurance may cover your medical expenses, lost wages, and other damages.
- UM/UIM coverage. When an at-fault driver lacks sufficient insurance, your uninsured/underinsured policy may provide compensation. Adding this coverage to your motorcycle insurance policy is highly recommended for Florida riders.
- Some motorcyclists opt for MedPay, an optional insurance add-on that can help cover immediate medical costs after an accident.
- Injury lawsuits. Pursuing compensation through a lawsuit is an option when another party’s negligence caused your injuries.
Navigating insurance claims and pursuing compensation after a motorcycle accident can be complex, especially in Florida’s unique legal landscape. An injury lawyer can guide you through the process, ensuring all avenues for financial recovery are explored.
Who Can Help Me Connect with Financial Relief?
If you or a loved one has been injured in a Florida motorcycle accident, don’t hesitate to seek legal help. Even when you feel like there is no possibility of compensation, there may be an option you haven’t considered, a compensation avenue a professional can walk you through. Contact a seasoned Boca Raton personal injury lawyer today in order to fully comprehend your choices and secure the compensation you need to recover and move forward.
Were you hurt while riding on a Florida motorcycle? Having a conversation with the injury lawyers at Leifer & Ramirez after a motorcycle accident in Delray Beach, Deerfield Beach, or Pompano Beach is key to protecting your rights. You may have more recovery options than you are aware of. Call 561-660-9421 today to schedule a confidential consultation.
