While in most states motorcycle insurance laws are comparable to other motor vehicle laws, Florida is an exception. Drivers in Florida are required to carry personal injury protection (PIP) as part of the state’s no-fault insurance laws, but it only applies to drivers of motor vehicles with four or more wheels. PIP is not available to a motorcycle owner even if that person carries PIP for another vehicle. That can put the motorcyclist at greater risk of not just physical injuries from an accident, but long-term financial disaster as well. A motorcycle operator would need to pursue compensation from the other driver’s insurance for medical bills, lost income, and pain and suffering. A motorcycle owner can obtain uninsured motorist coverage (UMC) in the case of a collision with a driver who doesn’t carry liability insurance.