There’s nothing more exciting than picking up your new motorcycle and getting ready to enjoy the open road, but you need coverage first. Many car owners in Ponte Vedra Beach, FL wonder if they can add their bike to their auto policy instead of obtaining a separate insurance policy. However, it’s not that simple.
Can You Get an Auto Policy Instead?
No, you cannot simply use an auto policy. Generally, auto policies apply to four-wheeled vehicles, and you need a separate policy for two-wheeled vehicles, such as motorcycles. However, you may be able to work with an agent at Palm Valley Insurance Inc. to bundle policies and save money.
What’s the Difference?
There are a few key differences between the types of policies. Auto policies operate under Florida’s no-fault laws and require Personal Injury Protection (PIP). Policies for motorcycles don’t follow the same no-fault guidelines and don’t require PIP. Florida also has less stringent motorcycle standards, which often leads to lower liability limits and more affordable coverage.
Many motorcycle policies may include additional coverage for accessories or higher bodily injury limits. Likewise, there may be less coverage for the motorcycle itself, as it can be cheaper to replace than a car. Policies for motorcycles are specifically designed to meet your unique needs.
Florida State Laws
Florida doesn’t mandate insurance policies for motorcycle riders the same way it does for other vehicle owners. However, that doesn’t mean you shouldn’t obtain a policy. If you don’t have proper coverage, you’re still financially responsible for damages, including medical bills.
Agents at Palm Valley Insurance Inc. will work with you to help you obtain a policy that meets your needs. Give us a call today. We’re currently serving the Ponte Vedra Beach, FL area.
