Motorcycle Insurance in Miami, FL
Accidents and unforeseen damage involving your motorcycle can lead to significant financial losses. At Las Margaritas Insurance Corp, we’re dedicated to helping motorcycle owners find policies that align with their coverage needs.
What Does It Cover? 
A standard motorcycle insurance policy can offer the following coverage:
- Liability coverage can be helpful if you’re held liable for third-party losses and may include the following components:
- Bodily injury liability coverage can cover the medical expenses of a third party injured in an accident you caused.
- Property damage liability coverage can cover expenses if you’re responsible for causing damage to someone else’s property.
- Comprehensive coverage can cover damage caused by hitting an animal, fire, theft, vandalism or certain weather events.
- Collision coverage can help pay for your motorcycle’s repair costs if you collide with an object or another vehicle.
Depending on your circumstances, you can ask your agent about additional coverage, such as for custom parts and accessories, and roadside assistance.
Is It Required?
Florida doesn’t legally require motorcycle insurance. However, you must show proof of financial responsibility if you are involved in an accident. Your lender may also mandate collision and comprehensive coverage if you lease or finance your motorcycle. If you’re over 21 years old and choose not to wear a helmet, you must carry a minimum amount of medical coverage.
How Much Do Policies Cost?
Various factors can affect the cost of a motorcycle insurance policy, including the following:
- Driving history
- Age
- Motorcycle model and year
- Location
- Prior claims
- Policy limits
- Deductible
Where Can I Purchase a Policy?
Contact Las Margaritas Insurance Corp to learn more about your motorcycle insurance options or request a personalized quote.