Why UM/UIM Is a Florida Rider's Lifeline: The State Does Not Make Drivers Carry Injury Coverage

Why UM/UIM Is a Florida Rider's Lifeline: The State Does Not Make Drivers Carry Injury Coverage

Why UM/UIM Is a Florida Rider's Lifeline: The State Does Not Make Drivers Carry Injury CoverageMoe DeWitt
Published on: 20/08/2026

Florida does not require ordinary drivers to carry bodily-injury liability, only PIP and property damage. That means the driver who hits you may have nothing to pay your injuries. For a motorcyclist with no PIP, UM/UIM is the backstop that carries th

Orlando Rider
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Florida PIP Does Not Cover Your Motorcycle: The No-Fault Gap That Ambushes Orlando Riders

Florida PIP Does Not Cover Your Motorcycle: The No-Fault Gap That Ambushes Orlando Riders

Florida PIP Does Not Cover Your Motorcycle: The No-Fault Gap That Ambushes Orlando RidersMoe DeWitt
Published on: 20/08/2026

Florida is a no-fault PIP state, but the law leaves motorcyclists out. Most Orlando riders have no PIP on the bike for their own medical bills after a wreck, and that gap shows up in the worst possible moment.

Orlando Rider
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