Understanding the Benefits of Motorcycle Insurance


As recently as 2018, a total of around 400,000 auto crashes took place in Florida, out of which around 9,000 cases were motorcycle crashes. Among these, 502 resulted in fatalities. In short, motorcycle accidents are quite common in Florida.

And if you hope to stay safe, you have to drive responsibly! Other than that, you also need to have the right insurance to pay for any damages in the event of an accident. 

Here are some of the benefits of opting for motorcycle insurance:

Protection against liability

Even the most responsible motorcyclists can get into accidents. So if you’re at fault and have damaged the other party’s motorcycle, you’ll breathe a sigh of relief if you have motorcycle insurance. 

Most motorcycle insurance plans include third party liability that protects you from the liability you would otherwise have to face if you damage someone else’s vehicle. 


If the coverage also includes uninsured motorist coverage, it will even help you pay for future medical bills and lost wages if you caused bodily damage to the other party. 

This coverage will also cover your own medical expenses if the other driver doesn’t have enough insurance to cover them. 

Avoid penalties

Just like in every other state, Florida has defined penalties and fines for motorcyclists who don’t have the required insurance coverage. If proof of insurance is not provided, the authorities might suspend your driving privileges and vehicle registration for as long as three years. The privileges are only reinstated after you’re able to present some proof of auto insurance. 

Other than that, the fines increase as the frequency of your offenses increases. These fines vary between $150 and $500—depending on how many times you’ve been caught violating the law.

Umbrella coverage options

Umbrella coverage options include any additional coverage that is beyond bodily injury and property damage. It’s more like an extra layer of protection that is beyond the standard, state-approved insurance plan. 

Other umbrella policy options include coverage for damages to any additional custom equipment and unique accessories such as a sidecar and saddlebag. This option also allows you insurance of additional safety gear, such as your jacket, helmet, or the riding chap. 

Manatee Insurance Services is a leading insurance service company in Palmetto and Lakewood Ranch in FL. If you’d like to know more about our motorcycle insurance policies, sign up for a free motorcycle insurance quote. 

We are currently offering services to residents in Bradenton, Sarasota, and Manatee County.

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