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First Florida Underwriters Insurance blog

What You Need to Know About Motorcycle Insurance

There are few things which compare with riding the open road on your own motorcycle. For decades the thrill of bike ownership and riding has enthralled millions of people. If you are a proud bike owner in Florida, you also understand that along with the excitement comes a certain amount of responsibility. At First Florida Underwriters Inc, serving Orange Park, FL, we want to help you fulfill this responsibility. Keep reading to find out what you need to know about motorcycle insurance. 

Why Is Motorcycle Insurance Important?

Motorcycles pose a special kind of risk to both riders and other drivers. Because you do not have the protection of a car’s body surrounding you, you are at an increased chance of injury every time you ride. If you are in an accident, the cost of medical bills and repairs or replacement to your bike will come out of your pocket, unless you are properly insured. You have made an investment in your bike and a good insurance policy will protect that investment. If you are involved in an accident in which others are injured, you could be held liable for their medical bills or even any legal fees that could result. Again, insurance can help protect against this. 

Is Auto Insurance Good Enough For My Bike?

Although there are many similarities between an auto insurance policy and a motorcycle insurance policy, there are also some important differences. For instance, a motorcycle policy will have greater coverage amounts for bodily injury because a biker is at greater risk for injury. Also, a motorcycle policy will provide an option to pause your insurance if you don’t use your bike for certain months out of the year. This can save you money. 

If you would like to learn more about our services, please contact us at First Florida Underwriters Inc, serving Orange Park, FL.