Florida Motorcycle Insurance Information
The value of good motorcycle insurance often doesn't become apparent until
you really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have Florida motorcycle insurance coverage you can
count on.
Let our experienced Florida Motorcycle Insurance policy specialist explain
the different Liability limits, Comprehensive, Collision, Uninsured Motorist,
Medical coverage, and deductibles that are available for you to choose
from. Optimal Insurance Group of Boca Raton, FL offers affordable
motorcycle insurance policies from a leader in the insurance industry. This
means more stable premiums and none of those 15% increases after the
first year.
Learn more about Florida Motorcycle Insurance
policy coverage options below!
Click on the link below to fill out a secure quote request form for a Florida
Motorcycle Insurance policy that will provide excellent motorcycle insurance
coverage at an affordable cost. Or you can speak with our Florida
Motorcycle Insurance agent specialist at (561) 342-1695 to discuss the
motorcycle insurance policy features in more detail.
We are an independent Boca Raton, Florida insurance agency offering affordable
motorcycle insurance policy premiums in the following towns, cities and counties in south
Florida: Boynton Beach, Gulf Stream, Delray Beach, Lantana, Rainbow Lakes, Atlantis,
Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm
Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park, Royal
Palm Beach, Jupiter, Coral Springs, Fort Lauderdale, Parkland, Coconut Creek, Margate,
North Lauderdale, Lighthouse Point, Hillsboro Beach, Deerfield Beach, The Hamptons,
Highland Beach, Weston, Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise,
Tamarac, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Villages of
Oriole, Pompano Beach, Lauderdale-by-the-Sea, Boca West, Boca Pointe, Juno Beach,
North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler
Ridge, Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City, Richmond
Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes,
Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs,
Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal
Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah
Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes, Biscayne
Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar,
Pembroke Pines, North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park,
Coral Gables, Kendall, Dania Beach, Cooper City, Davie, West Miami, Hollywood,
Broward County, Martin County, Miami-Dade County, and Palm Beach County, FL. We
can also offer Florida motorcycle insurance coverage services throughout the Sunshine
state, including in Winter Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg,
Tallahassee, and Jacksonville, FL.
Protects you if your motorcycle is damaged in an accident caused by a driver who
has insufficient auto or motorcycle insurance coverage. This coverage pays the
difference between the coverage limit you select and the other driver's property
damage coverage limit. This is not a required coverage in Florida.
Click on the link below to fill out a secure quote request form for a cheaper Florida
Motorcycle Insurance policy premium quote that will provide excellent motorcycle
insurance coverage at an affordable cost. Or you can speak with our Florida
Motorcycle Insurance specialist at (561) 342-1695 to discuss the policy features.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a
motorcycle insurance policy. This is not required in Florida unless you displayed a
financial irresponsibility following an accident. The minimum liability insurance
coverage available for purchase in Florida is 10/20 and is explained in detail below.
However, we recommend that you choose liability insurance coverage amounts that
are much higher than the minimums listed below. Contact us at (561) 342-1695 to
discuss what liability coverage amounts you require to meet your family or personal
needs.
Florida Liability Coverage limits explanation:
10/20/10 10=$10,000 - 20=$20,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, fence, or house, is covered through property damage motorcycle
insurance coverage. The minimum coverage amount in Florida is $10,000.
Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding on or driving your motorcycle.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses.
It will also cover you or members of your family if you are hit by a car when you
are walking or if you are riding on another motorcycle. This coverage will pay for
your medical and funeral expenses even if you cause the accident. The coverage
is often limited to medical care you get in the first one, two, or three years after the
accident and is limited to a specific dollar amount. This is not a required Florida
Motorcycle Insurance coverage.
20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.
Covers damage caused to the owners motorcycle from a collision caused by another
vehicle or other object. The deductible is the amount you choose to pay upfront (if any)
before the motorcycle insurance policy pays. The higher the deductible you choose,
the lower the collision coverage cost within the Florida Motorcycle Insurance policy.
Florida Motorcycle Insurance FAQ
Covers damage caused to the insured's motorcycle (your motorcycle) from risks
such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before the
motorcycle insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the Florida Motorcycle Insurance policy.
Florida Motorcycle Insurance FAQ
Florida Motorcycle Insurance FAQ
Florida Motorcycle Insurance FAQ
Example of uninsured motorist limits:
Florida Motorcycle Insurance FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto or motorcycle liability insurance. This is not a
required coverage for Florida Motorcycle Insurance. Contact us to discuss what
uninsured coverage amounts you require to meet your family and personal needs.
This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.
This type of motorcycle insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an
accident caused by a driver who has insufficient auto or motorcycle insurance
coverage. The motorcycle insurance coverage typically pays the difference
between the coverage limit you select and the other driver's bodily injury coverage
limit. This is not a required Florida motorcycle insurance coverage.
Underinsured Motorist Bodily Injury Coverage
Underinsured Motorist Property Damage Coverage
Florida Motorcycle Insurance FAQ
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Florida Motorcycle Insurance Policy Information
Proudly Serving South
Florida Since 2002!
Florida Motorcycle Insurance Information
Optimal Insurance Group
4800 North Federal Hwy
Suite D-100
Boca Raton, Florida 33431
Palm Beach County FL
(561) 342-1695
Fax: 866-314-4026
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