Floridian’s have had a long obsession with motorcycles, whether it be with a local bike club, attending one of many biker rallies, or the pure enjoyment of taking a ride along our beautiful coastlines; Floridian’s love motorcycles. If you like this easy rider lifestyle and want the same style for your insurance, look no further than Barbee Jackson Insurance. We represent the largest insurance companies that specialize in Motorcycle Insurance and the process is fast and easy.
What we need to get you a Motorcycle Insurance Quote
- Motorcycle VIN (if you don’t have that information, the bikes year, make, and model will work)
- Driver Information including name, date of birth, and motorcycle license number
- Desired Coverages
Motorcycle riders in the State of Florida are not required to carry insurance under the motorcycle insurance laws. Under the current laws only vehicles with four or more wheels are required to carry Personal Injury Protection (PIP) and Property Damage. It is highly recommended, even though not required, to carry some liability insurance just in case you are involved in an accident.
Comprehensive is a valuable coverage that pays for fire, theft, vandalism, storm related losses, and other incidents involving animals.
Collision coverage covers the motorcycle in case it is involved in an accident with another vehicle or inanimate object such as a building.
Bodily Injury Liability can be purchased with a minimum level of $10,000 per person $20,000 per accident. It is important to remember that this is liability coverage for the other party that you hit in the accident, not for your bike or personal injuries.
Property Damage can be purchased with a minimum level of $10,000 for damages you may do to others property, such as a vehicle, where you are liable.
Medical Payments coverage helps pay for medical or funeral costs if you are involved in a motorcycle accident, regardless of who is at fault in the accident.
Uninsured Motorist Bodily Injury covers your medical expenses, lost wages, pain and suffering in the event you are hit by a motor vehicle that doesn’t have insurance or is under insured.
Roadside assistance pays for jumps, gas, or towing your bike home or to the nearest facility.
Bike accessories covers replacement or repairs on any expensive customizations and personalization’s you’ve added onto your bike.
Total loss insurance pays to replace your bike…not just the fair market value, which is usually lower than what you actually paid for the bike—but an entirely new ride.
Trip interruption coverage helps pay for lodging, food, and a substitute vehicle when a mechanical breakdown or a covered loss occurs more than 100 miles from home.
On road insurance for off road vehicles covers your dirt bike or ATV on the road—we consider this essential, and very affordable.
Motorcycle Insurance is not required, so why carry it?
Motorcycle insurance in Florida is not required by law, but you should have some level of protection for liability and physical damage. Many motorcycle owners are heavily invested in customization’s to their motorcycle, so why not protect it against theft or an accident? Motorcycle thefts in the State of Florida have been on the rise for several years and 20% to 25% of stolen motorcycles are never recovered. Adding Comprehensive and Collision to your policy may be a small additional cost.
In addition to covering the motorcycle for physical damage you need liability to cover others in case you are found at-fault for an accident. If you are charged with an at-fault accident you are financially responsible for bodily injury and property damage for the party that you hit. If you did not purchase motorcycle insurance with liability, and you are charged with an accident, you could have your license suspended, registration and tag suspended, required to purchase bodily injury and property damage coverage for a period of three years, plus pay the damages to the party you that you where involved with in the accident.
All-in-All…You Need Insurance
When you need the best motorcycle insurance call the experts!
You can trust our team at Barbee Jackson Insurance when you need to make a decision on insurance for your bike. As an independent company, we are not tied to just one insurance company. We have several A+ rated insurance carriers we can shop with, to make sure you get the very best Motorbike Insurance and the lowest premiums. We also offer several insurance discounts, such as:
- Reduced fees for Harley Davidson bikes
- LoJack discount
- Safety course discount
- Motorbike endorsement discount
- Discount for homeowners insurance or other vehicles
Call today to get started (850) 389-2001