As a new motorcyclist, the process of trying to purchase motorcycle insurance probably seems daunting. In addition, you may be wondering if you even qualify for coverage since you don’t have your full license yet. The good news is that many insurance companies will insure motorcycles with a permit, but there are some things you need to know first. In this blog post, we will discuss the process of getting insurance with a permit and answer some common questions about the topic.
The Fran Haasch Law Group attorneys love to ride, and we also care deeply about all of our fellow riders. We want you to be safe and enjoy your bike, and we also want you to know we’ll be here for you if you suffer an injury in an accident that’s not your fault. Contact us for a free evaluation of your case as soon as you can.
Getting Motorcycle Insurance Without a License
Is motorcycle insurance required in Florida? Technically, no. You can register a bike without showing proof of coverage. But if you ride without coverage, you’ll be responsible for any injuries or property damage that results from an accident that’s not your fault. So, in a nutshell, you need to get motorcycle insurance coverage.
But the process of getting insurance without a motorcycle license can be tricky. Most insurance companies will require you to have a full driver’s license before insuring your motorcycle. However, a few companies will provide coverage for motorcycles with permits.
You should contact your insurance company to see if they offer this type of coverage. Without a license, motorcycle insurance can also cost more in some instances. Some people will try to get insurance with a suspended license, which will probably cost more.
While it can be challenging to get insurance after passing a motorcycle permit test, some insurance companies are willing to take on this risk if they believe you’ll become one of their customers someday soon. In addition, many insurers offer discounts when people sign up for multiple policies at once (for example, car and home). If you already have auto insurance through another provider but would like additional coverage on your bike, contact the insurance companies that cover your car insurance policy to see if they offer discounts for bundling your motorcycle insurance policy with other policies.
How Can I Reduce Hassles When Getting Motorcycle Insurance with Only a Permit?
Again, even though Florida doesn’t require motorcycle insurance, you really should purchase bike insurance coverage. If you have a permit and want motorcycle insurance, there are some things you can do to speed up the process of getting insurance without having your full license yet. For example:
– Take a Motorcycle Safety Course: These courses teach new riders how to operate their vehicles safely on public roads, which may help them get insurance more quickly because insurers believe these students will become better drivers over time (and therefore less likely to cause accidents). In addition, many states require people with permits to take this class before obtaining their licenses anyway, so it’s worth taking regardless. If not required by law where you live or work but would still like insurance coverage, contact your insurance provider about discounts for completing these courses first.
– Talk to an Agent: Contacting an insurance agent is another great way to get motorcycle insurance without having your full license yet. These professionals are trained in finding the best rates possible and can help you find a company that will cover motorcycles with permits if yours doesn’t already offer this type of policy option (this may require shopping around, though). Suppose there’s no such insurer available locally. In that case, online services might be able to provide leads on companies offering policies despite lacking licenses – make sure they’re licensed within each state where they conduct business before signing up.
Reasons to Get Motorcycle Insurance
You might need motorcycle insurance for the following reasons:
– You plan on taking your bike out regularly but don’t want to risk getting into an accident while driving uninsured or underinsured (and having the other driver sue you). It may not seem like much money now; however, if something happens where someone is injured by your motorcycle it could cost thousands. This includes medical bills as well as damages done to other vehicles involved in an accident.
– Your state requires you to have insurance in order to operate a motorcycle on public roads.
– You’re using your bike as transportation for work and need coverage in case of an accident.
– You want peace of mind while riding, knowing that if something does happen you and your loved ones are taken care of financially.
How Much Motorcycle Insurance Do I Need?
This answer depends on the individual rider’s needs and situation but typically ranges from $50,000-$100,000 worth of bodily injury liability insurance, whether or not you only have a motorcycle learner’s permit. This will cover others involved in accidents caused by you while driving your motorcycle. If you’re looking for more comprehensive insurance (e.g., collision, theft, etc.), this will usually increase the cost of premiums, so riders should carefully weigh their options before purchasing insurance.
What if I’m Just Test Driving a Bike?
If you’re test driving your motorcycle without having insurance yet, please make sure that the person selling it to you has insurance. If not, then consider buying temporary coverage, which will last only until your purchase is complete–or at least have an insurance policy ready when making this transaction (even though it may cost more than just getting one now).
How Do I Find a Good Motorcycle Insurance Company?
There are many insurance companies that offer motorcycle insurance policies but not all of them are created equal. Therefore, riders should do their research and compare rates before choosing a policy.
Some factors to consider when looking for motorcycle insurance include:
– The company’s financial stability (can they afford to pay out claims?).
– The company’s customer service record (are they responsive if you have a claim?).
– How much the deductible is on each type of coverage.
– What kind of discounts the company offers (e.g., having multiple policies, good driving history, etc.).
How Can I Reduce My Motorcycle Insurance Premiums?
Riders can reduce insurance premiums by taking motorcycle safety courses, maintaining a good driving record, and keeping their insurance policies up-to-date. There are also several discounts available for those who have taken steps to protect themselves from liability claims (e.g., installing an anti-theft device).
Some insurance companies may offer lower rates if you’re a member of certain organizations or clubs too, so it’s worth checking out before you purchase insurance.
The Fran Haasch Law Group Will Be Ready if You Need Us
At The Fran Haasch Law Group, we feel there’s nothing better than hitting the open road on a motorcycle. But we also know that riding can sometimes lead to serious accidents. If you suffer an injury in a motorcycle accident due to another party’s negligence, we may be able to help you obtain compensation. Use our online form to get a free evaluation.