Do You Need Motorcycle Insurance In Florida?
No. Riders in the state of Florida do not have to show proof of insurance to register their motorcycle and they are not required to purchase a motorcycle insurance policy. Riding a motorcycle without insurance is widely ill-advised, because people can potentially sue you for any damage or injuries you cause. Unless you have unlimited funds and don't mind parting with them, it's generally adviseable to have coverage to manage your liability exposure. On top of this, if you frequently take your motorcycle out-of-state for road trips, there may be requirements in those states you'll also have to follow.
The only exception in Florida is for riders who have been charged in a crash involving any injuries or certain motor vehicle violations. Florida state law requires those riders to purchase and keep bodily injury and property damage liability protection for three years.
Florida law does not require motorcycle riders to wear helmets, as long as they are at least 16 years old. However, motorcycle riders must wear eye protection at all times, regardless of whether they choose to wear a helmet.
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