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Motorcycles and Uninsured Motorist Coverage

Uninsured motorist coverage is an important form of auto insurance that allows you to recover under your own insurance policy if the at-fault driver does not have insurance or does not have enough insurance to cover your damages. Uninsured motorist coverage should always be strongly considered when purchasing insurance for your vehicle, especially in Florida where there are lots of uninsured and under insured drivers on the road. When purchasing this type of insurance, the auto policy will define what counts as an “uninsured motor vehicle.” It’s easy to understand that this definition will include uninsured or under insured cars and trucks, but what about uninsured or under insured motorcycles?

An uninsured motorcycle is considered an uninsured motor vehicle when analyzing uninsured motorist insurance coverage. This became law after the case of Standard Marine Insurance Co. v. Allyn, 333 So.2d 497 (Fla. 1st DCA 1976). This means that if an uninsured or underinsured motorcycle causes damages to another’s property or person, the injured person would be able to make a claim under their uninsured motorist coverage because a motorcycle is considered a “motor vehicle” for the purposes of uninsured motorist coverage. Along those lines, vehicles designed mainly for use off of public roads are usually not considered “motor vehicles” and so uninsured motorist coverage usually would not apply. However, many uninsured motorist policies do provide coverage for accidents with off-road vehicles that occur on public roads. After an accident, a careful review of all auto insurance policies for each vehicle involved is always the best way to determine what kind of coverage is available to an injured party to ensure that your damages are covered in the best way possible.

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