Are you riding in Florida thinking your motorcycle insurance includes Personal Injury Protection (PIP)? That’s a costly mistake. Under Florida Statute § 627.736, motorcycles are specifically excluded from PIP coverage. If you’re injured in a crash, you can’t rely on PIP to pay your medical bills—leaving many riders exposed and confused when it matters most.
So what are your options? Medical payments coverage (often called MedPay) can help pay for medical expenses after a crash, but it’s not required by law and must be added to your policy. The real game-changer is uninsured/underinsured motorist (UM/UIM) coverage. Florida Statute § 627.727 allows you to stack UM coverage across multiple vehicles, increasing your protection if the at-fault driver has little or no insurance. Stacking can mean the difference between getting your bills paid or facing financial hardship.
Don’t let insurance myths or missed deadlines ruin your recovery. You must act quickly—Florida’s statute of limitations for personal injury claims is generally two years from the date of the crash. Review your policy, understand your coverage, and consult a Florida personal injury attorney to protect your rights. Our firm helps riders navigate these complex issues and maximize their recovery.
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Disclaimer: This content is for informational purposes only and does not constitute legal advice, and laws and legal interpretations may change after the date of publication.
Written by:
Gil Sánchez, Esq.
CEO | Civil Trial Attorney
Black Rock Trial Lawyers
Abogados Law
