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Florida Motorcycle Insurance

Motorcycle Insurance | Florida

GreatFlorida Motorcycle Insurance will make sure the good times roll while on your ride. Motorcycle riders have the benefit of getting to and from work efficiently and experiencing journeys through charming small towns, scenic back roads and beautiful sunsets along the Florida coast.

GreatFlorida Insurance in Florida knows motorcycle riders have the same rights and privileges as other motorist on the road. Unfortunately bikers are exposed, leaving them more vulnerable to injuries and accidents.

When a motorcycle crash happens, it almost always ends with injuries requiring extensive medical bills and treatment. GreatFlorida motorcycle insurance has you covered. Our agents in Florida have reliable motorcycle insurance policies, from many reputable insurance companies across the nation for you to choose from.

Your Local Agent at GreatFlorida Insurance Florida can help you find the right Motorcycle Insurance policy at the right price. more...

Motorcycle Insurance FloridaMotorcycle Insurance FAQs

Ideal weather and scenic views make Florida an exceptional place to ride motorcycles. GreatFlorida Insurance wants every biker to enjoy the adventure of riding whether you are an enthusiast or a novice. Being out on the open road in Florida can leave you exposed to bad weather conditions and drivers not watching for cyclists. GreatFlorida Insurance can offer you an affordable motorcycle policy to protect you and your ride in Florida.

Do you need Motorcycle Insurance?

YES! It's as critical as wearing a helmet.

Motorcyclists know there's risk involved every time they hop on their bikes, but that doesn't stop them from revving up their engines to feel the wind on their face and the rush of a good ride.

In addition to protective gear like helmets, there are precautions that you can take with you on every ride. You'll never even know they're there—that is, until you need them.

A strong Florida Motorcycle Insurance policy is not an option that should be overlooked. That's why GreatFlorida Insurance provides motorcycle policies that give you the true freedom to ride.

A GreatFlorida Motorcycle Insurance Agent in Florida is ready to help you find the best deal. Get a free quote today by calling 888-478-7801 or completing our online quote request form.

What is included in my motorcycle insurance coverage?

  • Bodily injury liability coverage: When you're involved in an accident, the first thoughts you have undoubtedly involve assessing if you're injured followed by wondering if the other person (people) involved are injured.

    If you do injure or kill someone or if you need projection in a lawsuit against you, this type of coverage will protect you.

    What do you need? A GreatFlorida Insurance Agent in Florida will work with you to choose the level of limits of protection that best suits your needs.

  • Collision coverage: Accidents may cause damage to your motorcycle. Regardless of whether that damage is your fault or not, you will be protected when you have collision coverage included in your policy.

  • Accessories coverage: Most comprehensive policies include coverage for your accessories. When this type of damage occurs (including damage to your helmet), this coverage will pay it.

  • Comprehensive physical damage coverage: Sometimes damage occurs from something other than an accident, such as theft or vandalism. GreatFlorida Insurance can provide policies that cover these damages too.

  • Unisured/underinsured motorists coverage: Unfortunately, not everyone carries motorcycle insurance. When you are hit by someone who doesn't carry insurance, you'll still be projected when you have uninsured/underinsured motorists coverage in your policy.

Do I need motorcycle insurance under Florida law?

Florida law does not require motorcycle insurance. However, if you are charged with an accident that causes injuries, you will be required to obtain insurance (if there was no prior policy in place).

What types of medical coverage exist?

Choose between medical payments, no-fault or personal injury protection coverage for you and your passengers.

What types of motorcycles are covered?

GreatFlorida Insurance can create a custom policy for you regardless of the type of bike you ride. From moped insurance to scooter insurance to trike insurance to dirt bike insurance to motocross insurance, Harley-Davidson Insurance, there is a policy to fit every biker's needs.

How can I get started building my custom policy?

GreatFlorida Insurance makes it easy to create your custom motorcycle insurance policy.

Call 888-478-7801 or complete our online quote request form. A GreatFlorida Motorcycle Insurance Agent in Florida will help you find the best deal for you.

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Florida Motorcycle Insurance Blog
by GreatFlorida Insurance

According to a recent AAA Consumer Pulse survey, nearly one in five motorcyclists does not have motorcycle insurance.

“Florida law does not require motorcycle insurance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent motorcycle insurance agency. “Motorcycle insurance is not required however, if a motorcyclist is charged in an accident, then they are financially responsible for injuries and property damage.”

AAA estimates the economic cost to society for each motorcycle death is $1.48 million. These costs include; lost productivity, medical costs, legal and court fees, emergency services, insurance administration costs along with property damage and workplace losses.

Florida has the most motorcycle fatalities in the nation, says the National Highway Traffic Safety Administration (NHTSA). Motorcyclists accounted for 19 percent of motor vehicles deaths in the state. Florida Department of Highway Safety reports in 2014, there were 449 motorcycle fatalities.

Further complicating the issue is the helmet law in Florida. A motorcycle rider is not required to wear a helmet in Florida.

“There are exceptions to the helmet law,” says Buck from GreatFlorida Insurance, Florida’s leading independent motorcycle insurance agency. “Those under 21 and anyone without a minimum of $10,000 of medical insurance coverage are required to keep their helmet on while riding.”

The helmet law is not without its controversies. In Florida, 32 percent of motorcyclists do not think they should be required to wear a helmet when riding.  “Since the repeal of the helmet law in Florida, motorcycle fatalities have more than doubled,” said Karen Morgan, Public Policy Manager, AAA.

The NHTSA estimates that helmets saved the lives of 1,630 motorists in Florida in 2013. They believe if all motorcyclists wore helmets, an additional 715 lives could have been saved.

GreatFlorida Insurance can create a custom policy for you regardless of the type of bike you ride. We have available moped insurancescooter insurancedirt bike insurancemotocross insurance, Harley-Davidson Insurance and more, there is a policy to fit every biker’s needs. Give us a call today.


The post Florida #1 in Motorcycle Fatalities appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

This year’s Florida legislative session was filled with hostility and drama. The standard 60-day session ended three days early due to contention between the House and Senate on Medicaid Expansion. Without a state budget passed, a Special Session was called June 1 -20. An early end to the session, along with a stalemate, doomed many bills. This year there were many proposal casualties.


  • Ticket quotas cannot be used to generate revenue for police departments.
  • States, counties and cities can only buy American made flags- a patriotic move
  • Attention craft beer lovers, 64 ounces of beer, known as “growlers” can finally be sold in Florida.
  • Drones cannot take pictures on private property; violators will not be arrested but can be sued.
  • Gay people can adopt children.
  • Florida school districts can start the school year as early as August 10.
  • Scale back testing in public schools
  • Tax cuts-about $400 million in tax cuts with sales tax holidays and a tax cut to cable, TV and cellphone services.


  • Comprehensive state water policy
  • Medicaid Expansion
  • Prison Reform
  • Texting while driving considered a primary offense
  • Abolishment of the death penalty
  • Equal pay for women on state contracts
  • Education– school choice, eliminating sales tax on student textbooks, mandatory uniforms for K-8, a minimum $50,000 salary for new teachers, concealed weapons to be carried by designated employees on school property in K-12 schools, ban on concealed weapons on college campuses
  • Undocumented immigrants to obtain a driver’s license.
  • Tupelo honey designated as the official state honey
  • Expansion of gambling- a victory for Disney and other’s wanting to maintain a family friendly state environment
  • Legalization of medical marijuana

GreatFlorida Insurance has been serving Florida since 1991. Dedicated to helping Floridians make informed decisions about their insurance, we offer professional service and affordable insurance. GreatFlorida Insurance specializes in:  auto insurance, homeowner’s insurance, boat insurance, motorcycle insurance, commercial insurance, renters insurance, health insurance and umbrella insurance.

Our knowledgeable agents have 115 offices located throughout Florida. Reliability is a must for our customers. We provide 24-hour service, 7 days a week, 365 days a year. The right insurance coverage can give your clients peace of mind, knowing their investment is protected.

Call 888-478-7801 to talk to a local agent or go online to for a free quote.



The post 2015 Legislative Session- What Passed What Failed? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Florida-Motorcycle-InsuranceMotorcycles are an appealing mode of transportation for several reasons: they get nice gas mileage, they are affordable, you pay less with motorcycle insurance than with car insurance and you can ride in the High-Occupancy Vehicle (HOV) lane.

“Florida is a great state for riding motorcycles. It offers scenic back roads and picturesque coastline. The terrain is mostly flat with occasional curves and good corners,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. The freedom you feel when you ride is a big draw, but this pleasure can come at a cost.

Motorcycle riders have the same rights and privileges as other drivers on the road. Unfortunately, motorcycle accidents almost always end in injury leading to extensive medical attention. The Florida Department of Transportation, reports that a large number of motorcycle crashes come down to car drivers having poor speed and spatial judgement as well as drivers not seeing motorcyclists.

Motorists can help prevent motorcycle accidents by observing to the following tips:

  • Watch aggressively for motorcycles
  • Check blind spots
  • Do not share lanes with a motorcycle
  • Leave at least 4 seconds between your vehicle and the motorcycle ahead of you
  • Watch before turning left
  • Always use your signal before changing lanes

Being on a motorcycle will leave you more exposed than being in a car, leaving motorcycle riders more vulnerable on roadways. Some differences between cars and motorcycles include the following:

  • Motorcycles have no restraints or seatbelts
  • Motorcycles weigh much less than other vehicles
  • Motorcycles are small and slim making it difficult for other drivers to see, especially when they are in a blind spot.
  • Motorcycles are more vulnerable to road obstructions and impediments such as road debris, pot holes and puddles.
  • Motorcycles are less stable than a car and require a rider to constantly maintain balance.
  • When riding a motorcycle your body parts such as skin, face and joints are exposed, so even in a minor accident they can suffer painful injuries.

The Centers for Disease Control and Prevention, CDC reports, motorcyclist involved in an accident experience common injuries such as bone fractures and most commonly broken legs. Other injuries are numerous and can include: wrist, arm, shoulder and pelvis fractures, road rash or skin abrasions, ranging from mild to severe. Also, head and traumatic brain injuries. While wearing a helmet can reduce injuries, this is the leading cause of death and disability in motorcycle accidents.

Make sure as a motorist, you are respectful and share the road with motorcycle riders. If you need car insurance or motorcycle insurance, GreatFlorida Insurance agents can create custom motorcycle insurance coverage to fit your lifestyle, regardless of the type of bike you ride, call us today.




The post Watch for Vulnerable Riders appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Each year many Florida drivers commit a transgression resulting in the loss of their driver’s license. Thankfully, forgiveness is extended by the state in the form of an SR22 or FR44. To help get their license get reinstated and put drivers back on the road, GreatFlorida Insurance has launched a new website,

The new website provides information specific for Florida drivers who find themselves in need of an SR22 or an FR44. “Our insurance company has been providing  auto insurance to high risk drivers in Florida for years, despite the reluctance of many insurance companies to deal with these challenging circumstances. We feel the new website will share with the public our services and help by providing accurate information that is exclusive to Florida motorists,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.

A popular misconception about an SR22 and FR44, they are not insurance but actually a certificate of financial responsibility. It informs the state that you have purchased the appropriate insurance limits required to drive. The certificate is filed by your insurance agent electronically directly to the state. This alerts the state that you are maintaining continuous insurance coverage.

An SR22 can be mandated by the courts for a number of reasons including: excessive tickets and previously driving without insurance. Florida is one of the few states that necessitates an FR44. An FR44 is mandatory for those who have committed a DUI. While they detail new and possibly higher insurance limits, neither of the certificates place restrictions on your driver’s license.

Florida SR22 Insurance

For more information on obtaining an SR22 or FR44, you can visit the new website,, where you will find answers to many of your questions.

GreatFlorida Insurance is insurance for Floridians by Floridians. Since 1991, we have faithfully served Florida residents and their insurance needs. Unlike many insurance companies in the state, we are a network of independent, franchised insurance agents located in communities across Florida. This means we are not bound to one company to fulfill your insurance requirements, but we can shop around to find the best coverage and price for you. This flexibility allows GreatFlorida Insurance agents to craft a custom insurance policy specific for your needs, not just offer a standard insurance policy.

GreatFlorida Insurance provides homeowners insurance, auto insurance, health insurance, boat insurance, motorcycle insurance, renters insurance, commercial auto insurance and umbrella insurance. We are dedicated to providing our customers professional, prompt and courteous service. We work with reputable insurance carriers across the nation such as: Travelers, Progressive, Nationwide and more.

It is savvy to make informed decisions about your insurance. GreatFlorida agents are there to guide you every step of the way by giving you options and simplifying the process of buying insurance. Contact us online or give us a call today.






The post Have you lost your Florida Driver’s License? Forgiveness awaits. appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Florida Motorcycle InsuranceAs spring approaches, many riders are anxious to rev up their bikes and enjoy the beautiful scenery and pleasant Florida weather. Most riders are aware that no matter how experienced you are as a rider, safety is always an issue.

“Almost all accidents involving a motorcycle end in serious injury or death, reported Ellsworth Buck, Vice President of GreatFlorida Insurance. “Wearing a helmet and protective gear, along with maintaining your riding skills and being aware of your surroundings will help you to stay protected while on the road.”

Florida Motorcycle InsuranceMotorcycle enthusiast website, reviews the most common causes of motorcycle accidents and offers some useful safety tips on how to avoid them.

  • If a left turning vehicle, turns in front of you, make sure to follow at a safe distance- making you and your bike more visible will help.
  • Try staying on the side of a lane when stopped rather than the center of a lane; this can prevent you from being hit from behind.
  • Make sure to stay out of a vehicle’s blind spots, to prevent them from changing lanes and veering into your space.
  • Never ride between an active traffic lane and parked cars; this will prevent damage from a car opening its door in front of you.
  • If you approach a corner and realize you are going too fast, just try to ride it out.
  • A front brake can become locked, learn to become proficient with your front brake or consider buying a bike with an anti-lock brake system.
  • Hitting gravel, sand or other road debris when taking a turn is common, consider safely taking wider turns for greater visibility.
  • Slippery roads- if possible wait out the first hour when oil from the road comes to the surface and can cause hydroplaning. Always make sure your tires are not worn out but in good condition.
  • Never drink and drive.

The Insurance Institute for Highway Safety, (IIHS), reported 4,381 motorcyclists died in a crash in 2013. Among the fatally injured drivers, 28 percent had a blood alcohol concentration, (BAC), at or above 0.08 percent.

GreatFlorida Insurance gives you the true freedom to ride.  We can create a custom motorcycle insurance policy for you regardless of the type of bike you ride. Call 888-478-7801 or complete our online request form at and our agents will help find the best motorcycle insurance for you.


The post Preventing Motorcycle Accidents appeared first on The GreatFlorida Insurance Blog.