Property Damage Liability Motorcycle Insurance Coverage - Attorney Fran Haasch

It’s been great meeting so many of you (and seeing your beautiful bikes) at all the events we’ve recently attended. Over the last few months I have written articles dealing with insurance coverage that “protects” the injured driver. Generally speaking, when a motorcyclist is involved in an accident, two things happen: the operator of the motorcycle is injured and the motorcycle is damaged. After seeing all of these beautiful and expensive bikes people are riding, I’ve realized I need to address another very important topic: property damage to the motorcycle.

If you are the victim of a motorcycle accident, the insurance of the person that caused the accident may pay for the damage to your motorcycle. In the state of Florida, this type of insurance coverage is referred to as Property Damage Liability Coverage (PD). Florida state law requires that an insured driver of a motor vehicle carries a minimum of $10,000 PD to be considered fully insured; however, the majority of licensed, insured drivers only carry the minimum amount of PD ($10,000). At times, this might create a variety of problems for the victim of a motorcycle accident in regards to the damage to the motorcycle since many motorcycles are worth much more than $10,000. If the person that caused the accident hit multiple vehicles/motorcycles and only carried $10,000 of PD, that $10,000 would be the maximum amount of insurance available to repair all the vehicles/motorcycles involved in the accident.

So, what can you do to protect yourself in this situation? Collision Coverage. I will do my best to explain Collision Coverage and how it relates to the property damage victim of a motorcycle/vehicle accident in next month’s article

If you have any questions about your insurance coverage or need any additional information regarding a motorcycle or automobile accident please contact our office at (727) 784-8191. We will be happy to answer your questions free of charge. You may also find any back articles on our website under the Born To Ride tab.

Attorney Fran Haasch
Palm Harbor
www.lawfran.com