--- description: Motorcycle accidents can be serious - but by following these steps, you can make sure you're prepared for anything that comes your way. title: How Motorcycle Insurance Works - Fran Haasch Law Group --- How Motorcycle Insurance Works - Fran Haasch Law Group [Home](https://www.lawfran.com/) » [Motorcycle Accident Lawyers](https://www.lawfran.com/motorcycle-accident-lawyers/) » How Motorcycle Insurance Works # How Motorcycle Insurance Works Last Updated: October 16, 2025 Reading Time: 4 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 8 months ago Table of Contents Our Case results $5,010,000 Motorcycle Accidents $4,000,000 Motorcycle Accidents $4,000,000 Motorcycle Accidents $3,010,000 Motorcycle Accidents $2,405,000 Motorcycle Accidents $2,400,000 Motorcycle Accidents $2,400,000 Motorcycle Accidents $2,330,000 Motorcycle Accidents $1,600,000 Motorcycle Accidents $1,550,000 Motorcycle Accidents $1,500,000 Motorcycle Accidents $1,500,000 Motorcycle Accidents $1,494,446 Motorcycle Accidents $1,400,000 Motorcycle Accidents $1,400,000 Motorcycle Accidents $1,300,000 Motorcycle Accidents $1,300,000 Motorcycle Accidents $1,300,000 Motorcycle Accidents $1,250,000 Motorcycle Accidents $1,200,000 Motorcycle Accidents View All Results Our Practice Areas Testimonials Extremely attentive and considerate. 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Sofia Beshara Contact Us Today Free Consultation Call us Anytime 24/7 (727) 784-8191 X/TwitterThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. [Disclaimer](https://www.lawfran.com/disclaimer-and-terms-of-use/) | [Privacy Policy](https://www.lawfran.com/privacy-policy/)SMS/Text Message Consent I consent to receive text messages from Fran Haasch Law Group Accident & Injury Lawyers at the phone number provided, including messages regarding my inquiry, case updates, and appointment reminders. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Δ There are many things to think about when you’re getting a motorcycle. You have to make sure you have the right gear, know how to ride safely, and have the right motorcycle insurance. Motorcycle insurance can be confusing, especially if you’ve never had it before. Does motorcycle insurance cover theft? What kind of insurance coverage do I need? This blog post will explain how motorcycle insurance works and answer these and other common questions. We’ll also provide some tips on how to get the best rates for motorcycle insurance. The Fran Haasch Law Group has a [group of attorneys ](https://www.lawfran.com/motorcycle-accident-lawyers/)who love motorcycles as much as you do. We hope you never have to deal with the terrible consequence of an accident while you’re on your bike. But if one happens due to someone else’s negligence, we’ll be here to help you obtain the money you deserve. So get in touch with us as soon as possible for a [free case evaluation](https://www.lawfran.com/contact-us/). ## **The Basics of Motorcycle Insurance** Motorcycle insurance isn’t a lot different from car insurance in a lot of ways. It will help protect you from the expenses associated with an accident that happens while you ride. Basic policies will pay for damages you cause, such as injuries and property damage. But there are other policies that will cover any injuries you suffer, or any damage to your motorcycle. However, if you borrow a bike, or you use a different one that doesn’t have coverage, then there’s a pretty good chance you won’t be covered. So you should check with your insurance agent to see what kind of coverage – if any – will apply if you use a different motorcycle. ## **Do You Need Motorcycle Insurance in Florida?** [Do you need it?](https://www.lawfran.com/do-you-need-motorcycle-insurance-in-florida/) The [laws in Florida](https://www.lawfran.com/motorcycle-accidents/florida-motorcycle-insurance-laws/) that pertain to motorcycle insurance are, let’s just say, odd. If you want to register your bike, you don’t have to provide proof of insurance. But if you’re found to have caused an accident while riding, you’ll have to have insurance coverage. If you can’t show that proof, you’ll very likely have to cover everything out of your own pocket. So, unless you have unlimited financial resources, you need to consider purchasing a motorcycle insurance policy. ## **What Does Motorcycle Insurance Cover?** [Motorcycle insurance coverage](https://www.lawfran.com/motorcycle-accident-lawyers/what-motorcycle-insurance-coverage-do-i-need/) can involve a variety of things, including medical expenses, property damage, and loss of use. Therefore, it’s important to read through your motorcycle insurance policy carefully to make sure you understand what is and isn’t covered. For example, most policies won’t cover damage caused by riding recklessly or driving under the influence. ## **Motorcycle Liability Insurance** Liability insurance is the most important type of motorcycle coverage. It covers bodily injury and property damage.. Like auto insurance, motorcycle bodily injury liability insurance coverage will provide money for any medical bills an accident victim incurs if you cause a wreck. ## **Uninsured/Underinsured Motorist Insurance** If you are in an accident with a driver who doesn’t have insurance, [uninsured/underinsured motorist coverage](https://www.lawfran.com/car-accident-lawyers/do-you-need-uninsured-motorist-coverage/) will help pay for your damages. This type of coverage is optional, but it’s a good idea to have it if you can afford it. ## **Full Coverage Motorcycle Insurance: Collision Coverage and Comprehensive Coverage** [Collision insurance](https://www.lawfran.com/motorcycle-accident-lawyers/is-motorcycle-collision-insurance-worth-it/) does not include property damage liability coverage. Collision coverage pays if your motorcycle is damaged due to a collision with another vehicle or object. Comprehensive insurance will protect you from theft, fire, or vandalism. Both of these types of coverage are optional, but they can be very helpful. ## **Carried Contents and Personal Belongings Coverage** Many motorcycle policies also include coverage for your belongings. This can be helpful if you regularly take expensive gear with you on your rides. It’s important to read through your policy carefully to see what is and isn’t covered. ## **Roadside Assistance and Towing Insurance** Roadside assistance and towing insurance can be helpful if your motorcycle breaks down or you get stuck in a remote area. This type of coverage is optional, but it can be a lifesaver if you need it. ## **How Much Does Motorcycle Insurance Cost?** The [cost of motorcycle insurance](https://www.lawfran.com/blog/2022/02/is-a-motorcycle-cheaper-on-insurance/) will vary depending on a number of factors, including your age, the type of bike you own, and your driving history. However, on average, motorcycle insurance costs about $200 per year. You can get [lower rates](https://www.lawfran.com/blog/2022/02/how-to-lower-your-motorcycle-insurance/) by increasing your deductible and by taking safety courses. ## **Can I Purchase Personal Injury Protection Coverage for a Motorcycle?** Unfortunately, no. Personal injury protection (PIP) coverage does not apply to motorcycles in Florida. It covers all four-wheel vehicles, but not two-wheel vehicles. ## **Tips for Getting the Best Rates on Motorcycle Insurance** – Increase your deductible: This will make your policy less expensive overall. – Take a safety course: Many insurers offer discounts to drivers who have taken a motorcycle safety course. – Shop around: Don’t just go with the first insurer you come across – compare rates from several different companies to find the best deal. – Maintain a good driving history: Insurers often give discounts to drivers who have a clean driving record. – Own a motorcycle that is less expensive to insure: Some bikes are more expensive to insure than others. If you can, try to find one that is cheaper to cover. ## **What to Do if You’re in a Motorcycle Accident** If you’re in a motorcycle accident, it’s important to stay calm and take action. Here are some steps to follow: – Call the police: This is especially important if there is any damage or injuries. The police will create an accident report that can be used later in court. – Get information from the other driver: Make sure to get the driver’s name, contact information, and insurance information. – Take pictures of the scene: Photos can help document what happened and be used as evidence later on. – Contact your insurance company: Let them know what happened and start the claims process. Motorcycle accidents can be serious – but by following these steps, you can make sure you’re prepared for anything that comes your way. Remember that The Fran Haasch Law Group will be here if you need us. Contact us for a [free case evaluation](https://www.lawfran.com/contact-us/) if you’ve been hurt in an accident caused by another motorist’s negligence. INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. Schedule Your Free Consultation Share this page Find an Office Near You Our Motorcycle Accident Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. Meet Our Attorneys ## Francoise M. Haasch Founding Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Lifetime Member Known for extensive trial experience and consistent client advocacy across complex injury cases. Meet Francoise M. Haasch ## Joshua R. Lipton Managing Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Recognized for consistent results and strong client advocacy in complex accident cases. Meet Joshua R. Lipton ## David R. Fuller Attorney Over 30 Years Experience Personal Injury Litigation Secured more than a dozen seven-figure settlements for clients. Meet David R. Fuller ## Allen J. Pipkins II Attorney Over 10 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Combines experience from both plaintiff-side injury firms and large insurance companies. Meet Allen J. Pipkins II ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Known for her versatile trial experience and leadership roles across multiple legal disciplines. Meet Laura Smith Davies Related Content Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. State By State Motorcycle Laws Paul Teutul Sr. Presents Custom Orange County Choppers Motorcycle to Fran Haasch Types of Head Injuries From Motorcycle Accidents How to File An Insurance Claim Motorcycle Accident Brain Injuries Spring Hill Motorcycle Accident Lawyer Brooksville Motorcycle Accident Lawyer Venice, FL Motorcycle Accident Lawyer What Is Motorcycle Bias & How Can I Avoid It? May 8, 2019 Motorcycle riders must often cope with the unfitting reputation of being wild and dangerous individuals simply for their transportation choice. However, it can be argued Read Full Post » Who is Responsible for Road Debris Damage January 5, 2023 When a motorcycle accident is caused by road debris, it can be difficult to determine who is responsible for the damages. In most cases, the Read Full Post » Crash Data September 26, 2020 A Look at Recent Motorcycle Crash Data As a motorcycle rider, you already understand that riding can be statistically more dangerous than driving, especially when Read Full Post » ## Contact Us Today (727) 784-8191 Our experienced attorneys are here to help you navigate your legal rights with confidence. 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