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Will PIP Cover Motorcycle Accident Expenses in Florida?


Understanding what insurance coverage is available is an important part of seeking financial relief after a motorcycle accident. For example, after a motorcycle injury in Clearwater, Hudson, or Tampa, a common question is whether a rider’s Personal Injury Protection (PIP) will cover expenses.

There are experts who can guide you through the process of PIP recovery in the state of Florida. When you are unsure of how to handle insurance negotiations, talk to an attorney about how you can secure financial relief and whether financial compensation for medical bills of motorcycle operators and passengers will come from PIP coverage or another source.

No-Fault Insurance, Motorcyclists, and Passengers

Florida is a no-fault insurance state, meaning that individuals are required to carry PIP coverage as part of their auto insurance policy. PIP is designed to provide immediate and necessary medical coverage for policyholders, regardless of who is responsible for the collision.

But PIP coverage is not mandatory for motorcyclists. While it is true that all Florida operators of four-wheeled vehicles are required to carry PIP, motorcyclists, as two-wheeled vehicles, are exempt. This exemption means that motorcyclists may not automatically benefit from the immediate medical coverage provided by PIP in the aftermath of an accident.

Given the lack of mandatory PIP coverage for motorcyclists, riders may need to explore alternative avenues to secure financial relief after a motorcycle accident. In such cases, filing a claim against the at-fault party’s liability insurance could be an option. Establishing liability is key to pursuing compensation for medical expenses, property damage, lost wages, and pain and suffering.

If a motorcycle operator does have PIP coverage on their auto insurance policy, it may extend to cover the medical expenses of a passenger injured in an accident as well. It’s essential for both motorcycle operators and passengers to be aware of all recovery avenues.

Limitations of PIP Coverage

Even if a motorcyclist has PIP coverage, it may have limitations in terms of coverage amounts. PIP typically covers a percentage of medical expenses and lost wages, up to the policy limit. In the event of severe injuries and substantial medical bills, the coverage may not be sufficient to address all the financial implications of the accident.

In the state of Florida, motorcyclists face unique challenges when it comes to accessing coverage for accident-related expenses, but there are Florida personal injury lawyers who understand the ins and outs of securing monetary settlements. Even if there is no PIP in play, there could be alternative avenues for financial relief, such as pursuing claims against another’s policy or taking legal action.

Should you explore the possibility of accessing financial relief from a PIP policy following an injury you sustained as a passenger on a Florida motorcycle? Motorcycle passengers may have access to PIP coverage if the operator has coverage. The lawyers at Roman & Roman can guide you through the complexities of securing compensation, ensuring all available options are looked into. The legal team at Roman & Roman has over 100 years of combined experience. Schedule your no-obligation consultation today.

Although the law firm of Roman & Roman has offices in Clearwater, Hudson and Tampa, we handle cases and claims throughout  Florida. We also meet personally with our clients if at all possible, rather than impersonally over the phone or on the Internet.

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Clearwater Office

Clearwater Office

fax: 727-736-3234
2274 FL-580
Clearwater, FL 33763
Hudson Office

Hudson Office

Hernando: 352-796-2151
fax: 727-736-3234
12000 U.S. Hwy 19
Hudson, FL 34667
Tampa Office

Tampa Office

(by appointment only)
fax: 727-736-3234
9301 W. Hillsborough Ave.
Tampa, FL 33615
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