Miami Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in Miami

• Minimum Liability Limits in Miami, FL: 10/20/10 ^[2]
• • 10  Required coverage up to $10,000 for one individual injured in an accident
  • 20  Required coverage up to $20,000 for all persons injured in an accident
  • 10  Required coverage up to $10,000 for property damage in an accident
  • Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

• Insurer Verification of Insurance in Miami ^[2]
• • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
  • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Miami Motorcycle Insurance Liability Requirements

Mandatory motorcycle insurance coverage for riders in the state of Miami, FL.

• Motorcycle Insurance Requirements in Miami ^[2]
• • Property damage liability coverage
  • Personal injury protection coverage

Motorcycle Helmet Laws in Miami

• • Motorcycle helmets required for 20 and younger. ^[3]

Motorcycle License Regulations in Miami, FL ^[3]

Detailed information about Miami laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

• Motorcycle License Laws in Miami
• • The examination for a motorcycle license endorsement tests the applicant's knowledge of the operation of a motorcycle and of any traffic laws specifically relating to motorcycles.
  • Examination also includes an actual demonstration of the applicant's ability to exercise ordinary and reasonable control in the operation of a motorcycle.
  • Every 1st-time applicant for licensure to operate a motorcycle who is under 21 years of age must provide proof of completion of a motorcycle safety course.

Motorcycle Equipment Laws in Miami, FL ^[3]

Various regulations and laws in Miami regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

• Motorcycle Equipment Laws in Miami
• • A person may not operate or ride upon a motorcycle unless the person is properly wearing protective headgear unless the operator is 21 years of age or older and is covered by an insurance policy providing at least $10,000 in medical benefits for injuries incurred as a result of a crash while operating or riding on a motorcycle.
  • A person may not operate a motorcycle unless the person is wearing an eye-protective device over his or her eyes of a type approved by the DMV.
  • Any motorcycle carrying a passenger, other than in a sidecar or enclosed cab, shall be equipped with footrests for such passenger.
  • No person shall operate any motorcycle with handlebars that are higher than the top of the shoulders of the person operating the motorcycle.
  • Any person who operates a motorcycle on the public streets shall, while so engaged, have the headlight or headlights of the motorcycle turned on.