A case we are processing involves a young lady seriously injured in a motorcycle crash. After spending weeks in the hospital, she will spend months in rehab and has only just been moved from the hospital to a nursing home. You can just imagine the extent of her medical bills and the continuing cost of her care in the nursing home and rehab.

Again, the person that caused the accident did not have enough coverage to make a dent in the young lady’s medical bills. Did you know the $10,000.00 Personal Injury Protection (PIP) coverage you have on your auto policy to cover medical bills does not apply if you are injured while riding a motorcycle? You should also know that a motorcycle, under Florida law, is not required to have ANY insurance! That doesn’t mean you can’t buy insurance to protect yourself from negligent drivers while riding your motorcycle. Not only can you buy insurance to protect yourself, but you are crazy if you don’t! Riding a motorcycle is inherently dangerous, but riding one in Florida seems to be an especially dangerous activity. No, I am not going to get into the reasons why, but anyone who rides in Florida knows what I am talking about. You can’t buy PIP for a motorcycle, but you can load up on “Medical Payment” coverage (MED PAY) and you can buy any amount of UNINSURED/UNDERINSURED motorist coverage you wish to carry. As a result of a prior motorcycle accident, we had advised this client to purchase as much Uninsured/Underinsured Insurance as she could possibly afford and had suggested $250,000.00! She failed to heed our warning and is now faced with the same disastrous situation as the previous client.

THE LESSON: YOU CAN’T HAVE ENOUGH UNINSURED/UNDERINSURED INSURANCE ON YOUR AUTOMOBILE OR MOTORCYCLE!

Call our office at 1-800-332-1992 for a free review of your current policy and to help guide you through the purchase of adequate coverage for you and your family! DON’T WAIT UNTIL ITS TOO LATE!