Jacksonville Motorcycle Accident Lawyer: Insurance Coverage

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Ron Sholes, P.A. helping motorcycle accident victims get fair compensation

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In the Community

Back Injury

$3.5 MILLION
After a trial, we obtained a verdict of 3.5 million for our client that sustained low back injuries requiring two surgeries and a lifetime of pain management.

Semi-Truck Accident

$3.50 MILLION
Our client was involved in a commercial vehicle accident which led to spinal fusion surgery requiring a spinal cord stimulator.

Long-Term Injuries

$2.5 MILLION
We obtained a $2.5 million verdict for our client that suffered a fractured arm and leg, necessitating surgery, as well as spinal injuries requiring long-term pain management for spinal injuries.

Auto Accident

$2.16 MILLION
We obtained a verdict for our client who sustained spinal injuries in an accident that required spinal fusion surgery.

Auto Accident

$1.95 MILLION
We obtained a $1.95 million verdict for a client who sustained spinal injuries in an auto accident which required a lifetime of pain management and need for future surgery.

Motorcycle Crash

$1.45 MILLION
Our client was involved in a motorcycle crash and sustained injuries. We were able to recover $1,450,000.

Commercial Vehicle Accident

$1.30 MILLION
Our client was involved in a commercial vehicle accident and sustained injuries. We were able to recover $1,300,000.

Product Liability

$1.0 MILLION
Our client sustained injuries due to a faulty product. We were able to recover $1,000,000

Semi-Truck Accident

$1.0 Million
We recovered for our client injured in an accident resulting in shoulder and spinal injuries.

Slip & Fall Injury

$1.0 Million
We recovered for our client who was injured in a fall at an apartment complex.

What Insurance Coverage Should I Have as a Motorcyclist?

Riding a motorcycle can be a thrilling experience, but it also comes with certain risks that other forms of transportation don’t, not exactly, anyway. In a motorcycle accident, motorcyclists are much more vulnerable to serious injuries than drivers of cars or trucks. That’s why it’s important for motorcyclists to have the right insurance coverage. In Florida, motorcyclists may have their options to get the most financial protection, just in case of a wreck.

Florida Motorcycle Insurance Requirement – Or Not?

Florida law does not require a motorcyclist to buy motorcycle insurance. However, the law still requires riders to show proof of financial responsibility. In other words, a rider must either have insurance, a surety bond, or a certificate of self-insurance based on ample personal finances to pay for damages and losses. For the vast majority of motorcyclists in Florida, the easiest and most sensible option is to just buy liability insurance.

Liability Insurance for Motorcyclists

Liability insurance provides coverage for bodily injury and property damage that you, as the motorcycle rider, may cause to other people or their property in an accident. The minimum liability coverage that Florida requires for motorcycle riders is $10,000 for property damage and $10,000 for bodily injury per person, up to $20,000 per accident.

It’s important to note that liability insurance doesn’t provide any coverage for your own injuries or damage to your motorcycle. It only covers the expenses of others if you’re found at fault in an accident. Additionally, the minimum required liability insurance may not always be sufficient to cover all the costs associated with an accident, especially when catastrophic injuries occur. Motorcyclists may want to consider purchasing higher limits of liability coverage to ensure they’re fully protected in the event of an accident.

Personal Injury Protection (PIP) Insurance for Motorcyclists

Personal injury protection (PIP) insurance, also known as no-fault insurance, is a staple of motor vehicle insurance in Florida. PIP insurance covers the policyholder’s own medical expenses and lost wages in case of an accident, regardless of who is at fault. If you’re involved in a motorcycle accident and have PIP coverage, it should pay for medical expenses such as hospital bills, doctor’s fees, and rehabilitation costs, up to the policy limit. If you’re unable to work because of your injury, your PIP insurance should also cover a portion of your lost wages.

Unfortunately, many drivers fail to do this. When motorists are negligent, distracted, or reckless, they can cause devastating and sometimes fatal accidents. When this happens, injured victims or the surviving family members of those wrongfully killed are entitled to take legal action against the at-fault driver.

Comprehensive & Collision Coverage for Motorcyclists

Comprehensive coverage and collision coverage are optional insurance coverages that motorcyclists in Florida may want to consider purchasing in addition to liability and PIP insurance.

For example, if you were riding your bike home from work when you were struck by a distracted driver who was texting when they hit you, you can assert that the driver’s unlawful and negligent act of texting while driving was a breach of the duty of care. You can also argue that, had the driver not been texting, you would not have been injured and, therefore, the driver is liable for your resulting damages.

Schedule a free consultation today; call (855) 933-3881 or contact us online to get started.

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