Florida is a no-fault state when it comes to vehicles with four wheels, meaning that all registered cars, trucks, and SUVs must carry a minimum amount of personal injury protection and property damage coverage. Personal injury protection covers medical bills and some lost wages regardless of who is at fault in an accident. However, no-fault coverage does not apply to motorcycles.
This means that a motorcycle driver is not required to have personal injury protection and can recover damages from an at-fault driver for medical bills, lost wages, damage to the motorcycle, and pain and suffering. The motorcycle driver may be compensated for these damages regardless of how serious the injury is.