Florida is a no-fault system when it comes to auto insurance, but no-fault insurance does not pertain to motorcycle accidents in Florida. Typically, this insurance would cover up to $10,000 in medical bills and lost wages when a person gets into an accident and files a claim with their own insurance carrier. Motorcyclists and motorcycle passengers do not have the option to turn to personal injury protection to recover compensation. This can complicate the process a bit because motorcyclists and any other injury victims are required to file a traditional fault-based claim against the alleged negligent party.
One upside in motorcycle accidents focusing on a fault-based system is that it may be possible for motorcyclists to recover more compensation than they otherwise would have been able to through the no-fault insurance system. In the traditional no-fault system, only injuries that meet certain injury or dollar value thresholds allow a claimant to file a fault-based claim to recover additional types of compensation. Additionally, individuals can file a civil personal injury lawsuit after a motorcycle accident occurs in order to recover compensation for pain and suffering damages.