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Motorcycle Owners and PIP Insurance

A hit and run driver injured an unidentified motorcyclist in February in Cantonement, FL. The incident occurred when a vehicle described as an older model blue station wagon hit the motorcyclist on Highway 29 near Morris Avenue. According to police reports, the station wagon hit the motorcycle, forcing it into a pickup truck ahead of it before speeding away from the scene. The driver of the motorcycle was brought to a local hospital. His injuries were described as non-life threatening.

Unfortunately, unless the motorcyclist had purchased special personal injury protection (PIP) insurance, he has more bad news in store. While drivers of four-wheeled vehicles in Florida can count on their insurance company to cover them in the event of a hit and run accident (thanks to our state being one of a handful of no fault insurance states), motorcyclists have no PIP protection.

Under Florida law, a motorcyclist may optionally choose to purchase a rider on an insurance policy to cover them for personal injuries regardless of who was at fault in an accident. However, because these policies are not mandated by law, many motorcyclists do not purchase such a policy. In fact, in many cases, motorcyclists are unaware that they would not be covered by their regular car insurance should such an incident occur.

If you have been injured in a motorcycle accident here in Florida, you may be able to obtain a payment from the insurance company anyway. If you did purchase a rider, your motorcycle accident attorney can help you to recover money from your own insurance company. If not, you may be entitled to sue the driver of the vehicle that hit you. Either way, it is worth your while to speak with a qualified personal injury attorney at the Law Office of Cohn & Smith, P.A. as soon as possible following such an accident to secure your rights.

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