Motorcycle/Golf Carts/ Scooters

Florida’s motorcycle laws are unique — the state doesn’t require traditional motorcycle insurance to register your bike, but riders must be able to prove financial responsibility if an accident happens. That means you’re personally on the hook for injuries, property damage, and legal claims unless you carry liability coverage. Florida’s minimum financial responsibility limits are typically $10,000 per person and $20,000 per accident for bodily injury, but most riders choose higher limits to protect their assets.

Because motorcyclists aren’t covered under Florida’s no‑fault system, there’s no Personal Injury Protection to fall back on. If you’re injured, you must pursue the at‑fault party — and if they don’t have enough insurance, you could be left with major medical bills. That’s why uninsured/underinsured motorist coverage is strongly recommended for riders in Florida. It helps cover your injuries when the other driver can’t.

Even though the state gives riders flexibility, carrying proper motorcycle insurance is the smartest way to avoid out‑of‑pocket costs, lawsuits, and long‑term financial stress. Weather you own a Harley Division, Sport Bike, Scooter, E-bike or a Golf Cart, Becker Insurance can help.