Florida ranks as one of the most popular states in which to ride a motorcycle, and both bike ownership and motorcycle insurance are extremely common in The Sunshine State.
And it’s no wonder why! With miles and miles of ridable oceanfront views to coast past on bike-back on a beautiful, summertime day, the terrain and the climate are just about perfect for motorcyclists!
Plus, you have major annual biking events like “Biketoberfest” and “Daytona Bike Week” going on throughout the state.
But given the higher risks involved with riding a motorcycle as compared to an automobile, it only makes sense to equip yourself with motorcycle insurance before heading out. And you also want to know the details of Florida motorcycle safety rules.
First Step For Peace of Mind – Get Motorcycle Insurance!
Standard motorcycle insurance protects you in a number of important ways. First of all, there is bodily injury and property damage coverage so you won’t be liable should you get into an accident. Usually, you need $10,000 minimum coverage against personal injury, $20,000 against injury of two or more people, and $10,000 of property damage coverage.
You can always add additional liability coverage. Plus, you have the option to buy collision and comprehensive coverage, medical payments coverage to help with any injuries you sustain in an accident, accessories coverage, un- and under-insured motorist coverage, bike storage coverage, and more.
Unlike auto insurance, motorcycle insurance is not mandatory in the state of Florida. But it is a very good idea! It will protect you and your bike and others against the financial repercussions of a collision or other motorcycle accident.
Required Tags, Gear, & Equipment
To legally ride a motorcycle in Florida, you must have a state-issued tag. These must be permanently attached to the vehicle and be visible from the rear at all times. The registration tag (plate) must be lit by the taillight when you ride your bike at night.
There is also mandatory safety gear for bike riders in Florida. If you are under 21 and/or do not have liability coverage of at least $10,000, then you have to wear a helmet. Those with an insurance policy and over 21 don’t have to wear a helmet, but of course, it is safer to do so. (Note that it is illegal to wear a headset with your helmet – only hearing aids are allowed.)
Protective eyewear is also required, and in this case, there are no exceptions. Additionally, you should wear leather gloves, tough clothing, and strong, flexible footwear. A leather jacket is recommended. (There are too many accidents where people slide over the pavement and damage their nerves and skin.)
Brakes are required not only for the bike but also for any mini-trailer you may be pulling. The handlebar height cannot be above the shoulders of the operator. Exhaust systems cannot be excessively loud or give off excessive fumes and smoke.
A horn is also required on motorcycles in Florida, as are rearview mirrors, headlights, red rear-end reflectors, turn signals, a taillight, and a stop lamp.
Basically, the motorcycle has to be in relatively good condition, complete in all its parts and safety equipment, and you have to wear basic safety gear. This will not only keep you legal but keep you safe, as well!
Motorcycle Riding Regulations
There are a number of specific laws that have to do with riding a motorcycle in Florida that all motorcyclists should pay attention to. After all, motorcycle insurance is one of those things you want to have but don’t want to ever have to use.
It is against Florida state law to pass in the same lane, even for bikes. It is illegal to ride a motorcycle or other small vehicle between lanes. Two, but no more than two, bikes are allowed to ride abreast of each other. Passengers must have a separate seat OR the seat must be designed to fit two people on it – and there need to be footrests for the passenger as well as for the driver.
Needless to say, drag racing, stunts, and unsafe maneuvers on public highways are not allowed and could result in tickets (and possibly an accident and/or injury.)
Most riding rules, however, are the same as for automobiles and are pretty common sense. Nonetheless, making sure you are aware of all applicable regulations and safety recommendations could save you a run-in with the law or with another vehicle.
To learn more about operating a motorcycle safely and legally in Flagler and Volusia Counties in Florida or to get a free quote on high-quality (fully customizable) motorcycle insurance, contact the experts at Flagler County Insurance Agency today!