Motorcycle Accidents and PIP Insurance

Motorcycle Insurance Lawyers in Florida

If you are Florida resident that has dealt with car insurance at some point in your life, you are likely aware of the fact that Florida has a no-fault insurance system. State law1 requires drivers to carry Personal Injury Protection (PIP) coverage that will pay up to $10,000 (minus their deductible) for their medical expenses and lost income.

This type of coverage will cover you regardless of who was at fault for an accident. PIP insurance Is intended to keep smaller cases out of court and streamline the process of making sure that people who are hurt in accident obtain some form of compensation. It also has the unfortunate result of leaving some accident victims with uncompensated losses; if you are unable to file a claim against the person or party that caused your accident because your claim does not reach the necessary threshold, you cannot recover for losses like pain and suffering and losses of quality of life.

Motorcyclists are Not Required to Have PIP Insurance

Florida law does not require motorcyclists to have PIP insurance. In cases in which a motorcyclist is at fault for his or her accident, not having coverage can result in uncompensated losses or the need to make a claim on your health insurance to have your medical expenses covered. On the other hand, in cases in which another party caused a motorcycle accident, motorcyclists are not required to establish that they have sustained a “serious bodily injury” in order to sue like other motorists are.

Motorcycle Accidents are Often the Result of Driver Negligence

This exclusion from the PIP requirement means that motorcyclists are often able to recover significant compensation for their injuries after an accident. There are a number of ways in which other people can cause a serious motorcycle accident. Some of the most common include the following:


Distracted driving2

Improper vehicle maintenance

Defective vehicle design

Defective vehicle manufacture

  Following too closely

  Failing to yield the right of way

  Driving without headlights

  Poor road maintenance or design

  Impaired driving

After a motorcycle accident, victims should be sure to speak to an attorney as soon as possible. In many cases, the fact that an accident was the result of negligence is not apparent to the untrained eye. When you retain a lawyer, he or she will thoroughly evaluate your case and conduct an investigation into the way in which it occurred if necessary. It is important to keep in mind that waiting to start investigating an accident can result in the loss or destruction of evidence, so waiting to speak to an attorney could hurt your chances of obtaining compensation for your losses.

Call a Clearwater Personal Injury Attorney Today to Schedule a Free Consultation

If you have been injured in a motorcycle accident, you should speak to a Clearwater personal injury lawyer immediately. If you are able to establish that your accident was caused by someone else’s negligence, you will likely be able to recover compensation for your medical bills, pain and suffering, property damage, and other losses. To schedule a free consultation with a member of our team, call the Dolman Law Group today at 727-451-6900 or contact us online.

Dolman Law Group
800 North Belcher Road
Clearwater, FL 33765

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