Does Personal Injury Protection (PIP) Insurance Cover Motorcyclists?

Motorcycle Accident Attorney St. Petersburg FL

In short, no. But see below for more information about PIP insurance coverage and what you can do to protect yourself in the event of a motorcycle accident.

What Is PIP Insurance?

First, let’s take a look at what PIP insurance is and what it isn’t. PIP insurance, which stands for Personal Injury Protection, is an extension of car insurance that covers medical expenses and, in some cases, lost wages. It is often referred to as “no-fault” coverage because it pays out claims to the policyholder without regard to whom is at fault in the accident. This is in contrast to standard liability insurance, in which the at-fault driver is responsible for paying the costs of damages and injuries to the other motorists.

Florida is one of the 13 states plus the District of Columbia that requires drivers to carry PIP insurance by law. Florida law requires drivers to carry both:

  • $10,000 of no-fault personal injury protection (PIP) insurance
  • $10,000 of property damage liability (PDL) insurance

In addition to covering your part of any medical expenses and income lost from a car accident, PIP insurance will also cover:

  • Your child and other members of your household
  • Your child (when riding on a school bus)
  • You (when you are a pedestrian or bicyclist involved in a car accident)
  • Passengers in your car who do not have their own PIP insurance and do not own a car

Those in your car with PIP car insurance will receive coverage from their own policies if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else’s car.

Motorcyclists Are Not Covered by Standard Pip Insurance

You may have noticed that PIP coverage applies when you are driving or riding in a car or when your child rides on a school bus. This excludes motorcyclists. Although many drivers assume that their standard auto insurance policy will cover their injuries in the event of motorcycle accidents, this is not the case.

In many states, car insurance laws and motorcycle insurance laws are the same, but there are significant differences between the two in Florida. Most importantly, Florida PIP insurance laws do not apply to motorcycles. Some insurance companies may offer PIP insurance for motorcycles that is similar to PIP insurance for cars, but that insurance is not regulated by Florida law. Also, after a motorcycle accident, a person does not need to show a permanent injury to recover money for pain and suffering, unlike an injury resulting from a car accident.

Ways to Protect Motorcyclists in Florida

To protect yourself and others from injuries arising from motorcycle accidents in Florida, you have three options:

  1. Buy motorcycle insurance from an insurance carrier.
  2. Get a self-insured certificate from the Bureau of Financial Responsibility after you present evidence of net unencumbered capital.
  3. Secure a financial responsibility certificate. This requires posting a surety bond with a state licensed company and depositing cash or securities with the Department of Highway Safety and Motor Vehicles (DHSMV).

If you choose to obtain motorcycle insurance, it is recommended that you purchase enough coverage to comply with Florida’s minimum requirements for auto insurance policies.

Contact a St. Petersburg Motorcycle Accident Attorney Today

If you have been injured in a motorcycle accident or simply have questions regarding your rights and responsibilities as a motorcyclist in Florida, contact the attorneys at Berkowitz & Myer. We can help you with an insurance claim with the liable driver’s policy or with a personal injury lawsuit when needed. Schedule a free consultation by calling (727) 344-0123 today.

 

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