Motorcycle Accidents in Florida

1. 1

   Get medical help

   Call 911 if you or anyone else is hurt, and follow the dispatcher’s instructions.

2. 2

   Report the crash

   Crashes involving injury, death or apparent damage of $500 or more must be reported to law enforcement.

3. 3

   Exchange information

   Names, addresses, vehicle registrations, driver licences and insurance details.

4. 4

   Keep your gear

   Your helmet, jacket and damaged gear can show how the crash happened. Photograph them and keep them.

5. 5

   Photograph the scene

   Road surface, skid marks, debris, vehicle positions and any hazards such as gravel or potholes.

Florida’s No-Fault Law defines a “motor vehicle” as a self-propelled vehicle with four or more wheels. Motorcycles don’t meet that definition, so the car-style PIP requirements don’t work the same way for riders.

The Florida Department of Highway Safety and Motor Vehicles says PIP under a personal passenger-vehicle policy would be insufficient for either the operator or the passenger of a motorcycle. Look at your motorcycle policy for any medical payments coverage, and ask whether your policy includes uninsured motorist coverage.

Riders should also know that the other driver’s insurance may be limited: Florida only requires car owners to carry $10,000 of PIP and $10,000 of property damage liability. See uninsured and underinsured drivers.

Florida requires motorcycle riders to wear a helmet that meets federal safety standards, with one exception: a rider over 21 may ride without one if covered by an insurance policy providing at least $10,000 in medical benefits for injuries from a motorcycle crash. The FLHSMV publishes details of the helmet exemption.

Swift Attorney is a free accident help and referral service, not a law firm. If you were hurt in a motorcycle crash in Florida, you can call, text or use the short form at any hour. The team listens to what happened, helps you understand a sensible next step and, where appropriate, may connect you with a participating accident attorney or medical provider.

Contacting Swift Attorney does not create an attorney-client relationship, and nobody here gives legal advice. Any legal representation would be a separate agreement between you and a participating attorney. How it works explains the process step by step.