--- description: If you are the victim of a Florida motorcycle accident, the insurance of the person that caused the accident may pay for the damage to your bike. title: Motorcycle Property Damage From Accidents | Fran Haasch Law canonical: https://www.lawfran.com/motorcycle-accident-lawyers/property-damage-to-your-motorcycle/ date_modified: 2025-10-16T16:22:44+00:00 practice_area: motorcycle-accident --- - Motorcycle Property Damage From Accidents | Fran Haasch Law [Home](https://www.lawfran.com/) » [Motorcycle Accident Lawyers](https://www.lawfran.com/motorcycle-accident-lawyers/) » Property Damage to Your Motorcycle # Property Damage to Your Motorcycle Last Updated: October 16, 2025 - Reading Time: 3 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 11 months ago [![Tampa Bay Trial Lawyers Association](https://www.lawfran.com/wp-content/uploads/2023/12/tbtla-1.webp)](https://www.tbtla.us) [![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2022/01/logo-4.png)](https://www.aiopia.org) [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2022/01/avvo.png)](https://www.avvo.com) [![Florida Justice Association Logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-5.png)](https://www.myfja.org) [![elite Lawyers of America ELA](https://www.lawfran.com/wp-content/uploads/2022/01/logo-3.png)](https://www.elitelawyer.com) [![National Alliance of Attorneys Distinguished Member logo](https://www.lawfran.com/wp-content/uploads/2022/01/distinguished-member-2020-1-300x256.png)](https://naoatty.org) [![American Academy of Attorneys Top 100 2020](https://www.lawfran.com/wp-content/uploads/2022/01/AAOA-Top-100-2020-1-1-300x212.png)](https://aaoaus.com/directory/categories/florida-top-100) [![American Association of Justice logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-2.png)](https://www.justice.org) [![Multi-Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2022/01/logo-1.png)](https://www.milliondollaradvocates.com) Table of Contents Our Case results [$5,010,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/5010000/) [$4,000,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/4000000-3/) [$4,000,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/4000000-2/) [$3,010,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/3010000/) [$2,405,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/2405000/) [$2,400,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/2400000-2/) [$2,400,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/2400000/) [$2,330,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/2330000/) [$1,600,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1600000/) [$1,550,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1550000-2/) [$1,500,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1500000-2/) [$1,500,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1500000/) [$1,494,446 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1494446/) [$1,400,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1400000-2/) [$1,400,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1400000/) [$1,300,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1300000-5/) [$1,300,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1300000-4/) [$1,300,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1300000-3/) [$1,250,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1250000/) [$1,200,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1200000/) [View All Results](https://www.lawfran.com/case-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 NameThis 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. Submit Δ It’s been great meeting so many of you (and seeing your beautiful bikes) at all the events we’ve recently attended. Over the last few months I have written articles dealing with insurance coverage that “protects” the injured driver. Generally speaking, when a motorcyclist is involved in an accident, two things happen: the operator of the motorcycle is injured and the motorcycle is damaged. After seeing all of these beautiful and expensive bikes people are riding, I’ve realized I need to address another very important topic: property damage to the motorcycle. ## Motorcycle Damage from an Accident If you are the victim of a motorcycle accident, the insurance of the person that caused the accident may pay for the damage to your motorcycle. In the state of Florida, this type of insurance coverage is referred to as Property Damage Liability Coverage (PD). Florida state law requires that an insured driver of a motor vehicle carries a minimum of $10,000 PD to be considered fully insured; however, the majority of licensed, insured drivers only carry the minimum amount of PD ($10,000). At times, this might create a variety of problems for the victim of a motorcycle accident in regards to the damage to the motorcycle since many motorcycles are worth much more than $10,000. If the person that caused the accident hit multiple vehicles/motorcycles and only carried $10,000 of PD, that $10,000 would be the maximum amount of insurance available to repair all the vehicles/motorcycles involved in the accident. ## The Need for Collision Coverage So, what can you do to protect yourself in this situation? Collision Coverage. Collision coverage on your own insurance policy will pay for the damage to your motorcycle or vehicle. When you are purchasing this coverage please carefully consider the deductible that you choose they generally are in amounts of $250.00, $500.00 or $1,000.00. If you decide to use your own insurance for your Property Damage (PD), your deductible will be subtracted from a “reimbursement” check you are issued to cover the damages. Some insurance companies will subrogate against the at-fault insurance company, which means your insurance company will attempt to collect your deductible for you which can take up to several months. If you have custom parts on your motorcycle, i.e. pipes, chrome accessories or custom paint, you may want to purchase extra insurance coverage in addition to Collision. Custom Accessories or Optional Equipment coverage will cover these “extras”. As a rule of thumb, figure out how much you have invested in customization to your motorcycle, for instance, if you have $5,000.00 you would want to purchase $5,000.00 in custom coverage. ## Contact Your Tampa Motorcycle Accident Attorneys Today! If you have any questions about your insurance coverage or need any additional information regarding a [motorcycle accident](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck accident](https://www.lawfran.com/truck-accident-lawyers/), or other areas including [wrongful death situations](https://www.lawfran.com/wrongful-death-attorneys/) or even [bicycle accidents](https://www.lawfran.com/bicycle-accidents/), please contact our office at (727) 784-8191. We will be happy to answer your questions free of charge. ### Millions Recovered for Our Clients Our motorcycle accident lawyers in Florida can conduct a prompt and comprehensive investigation to uncover who is responsible for your damages as well as the [specific cause](https://www.lawfran.com/motorcycle-accident-lawyers/common-causes-of-motorcycle-accidents/). If you choose to hire [our team](https://www.lawfran.com/attorneys/), we will represent your case in court in an aggressive and effective manner. To aid in our investigation, we work with skilled investigators, health care professionals, and accident scene reconstruction experts. The final case is, thus, backed by hard facts and professional statements. ## Were you injured in a motorcycle accident? Contact our Florida motorcycle accident attorneys online or by phone at (727) 784-8191 for a [confidential case evaluation](https://www.lawfran.com/contact-us/) today. ##### Request Your Free Case Evaluation 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](https://www.lawfran.com/contact-us/) 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. 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[Meet Laura Smith Davies](https://www.lawfran.com/attorneys/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. ### [Do I Need a Motorcycle License to Finance a Motorcycle?](https://www.lawfran.com/motorcycle-accident-lawyers/do-i-need-a-motorcycle-license-to-finance-a-motorcycle/) ### [New Port Richey Motorcycle Accident Lawyer](https://www.lawfran.com/motorcycle-accident-lawyers/new-port-richey/) ### [Motorcycle Accident Lawyers](https://www.lawfran.com/motorcycle-accident-lawyers/) ### [Tampa Motorcycle Accident Lawyer](https://www.lawfran.com/motorcycle-accident-lawyers/tampa/) ### [Motorcycle Accident Lawyer Palm Harbor](https://www.lawfran.com/motorcycle-accident-lawyers/palm-harbor/) ### [Types of Head Injuries From Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/types-of-head-injuries/) ### [Florida Motorcycle Safety Tips](https://www.lawfran.com/motorcycle-accident-lawyers/safety-tips/) ### [Common Road Hazards for Motorcycles](https://www.lawfran.com/motorcycle-accident-lawyers/common-road-hazards-for-motorcycles/) ### [What Is Motorcycle Bias & How Can I Avoid It?](https://www.lawfran.com/blog/2019/05/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 »](https://www.lawfran.com/blog/2019/05/what-is-motorcycle-bias-how-can-i-avoid-it/) [![muffler in the middle of the road, road debris can cause damage](https://www.lawfran.com/wp-content/uploads/2023/01/muffler-in-road-debris-1.jpg)](https://www.lawfran.com/blog/2023/01/who-is-responsible-for-road-debris-damage/) ### [Who is Responsible for Road Debris Damage](https://www.lawfran.com/blog/2023/01/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 »](https://www.lawfran.com/blog/2023/01/who-is-responsible-for-road-debris-damage/) ### [Crash Data](https://www.lawfran.com/blog/2020/09/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 »](https://www.lawfran.com/blog/2020/09/crash-data/) ## Contact Us Today [(727) 784-8191](tel:+17277848191) Our experienced attorneys are here to help you navigate your legal rights with confidence. 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