You have purchased an amazing motorcycle and cannot wait to take advantage of the beautiful weather and scenery that the state of Florida has to offer but first, you must obtain motorcycle insurance to protect the investment you have made in your bike. The insurance agents at First Florida Underwriters Inc in Orange Park, FL can assist you with all motorcycle insurance options, including the ones listed below.
Florida is the only state that does not require liability insurance for motorcyclists, but you must have Medical Payment Coverage in the amount of at least $10,000 in place to legally drive your bike. This type of insurance will pay for any injuries that are sustained in an accident, however, $10,000 may not be enough to cover the injuries of each person who is hurt in the crash. This means you will need more coverage options to ensure you and your bike are fully protected.
You can still obtain liability insurance which will increase the amount of bodily injury coverage that you have in place and will also cover a certain amount of property damage if an accident is deemed to be your fault.
Collision insurance will help cover any damages to your bike if you collide with another vehicle or even an object. For example, if you run into somebody’s garage door and damages this type of insurance would cover the amount of damages to the garage door.
Comprehensive insurance will protect your bike if it is involved in a natural disaster, such as that hurricane, or it is damaged by a fire or vandalism. This will also help recover the cost of your bike if it is stolen.
To determine which motorcycle insurance options you want to choose, call the motorcycle insurance agents today at First Florida Underwriters Inc in Orange Park, FL.