Who pays my medical bills if I am injured in a Florida motorcycle accident?


Motorcycles are an exception to Florida’s no-fault, a/k/a Personal Injury Protection (PIP) requirement. As such, it is best that you carry a motorcycle policy with Medical Payments coverage to assist with your medical expenses. Otherwise, you must fall back on your health insurance coverage, because there is no other automatic payment law or policy in place. If you are not at fault for the crash, you may be able to pursue a claim against the at fault driver, which will eventually reimburse you for your expenses.


Unlike with motor vehicles, motorcyclists are not covered by the no-fault law that provides benefits. You hopefully have medical payment insurance coverage that will allow you to get medical care paid for. You may have health insurance that can kick in and help pay for your medical bills. If you are not at fault at the accident, you may be able to pursue a claim against the at fault driver that will eventually give you some funds if you prevail that will be able to cover those medical bills.


Julie S. Luhrsen, Esq.

Julie Luhrsen represents the injured. Like Atticus Finch, the fictional hero of Harper Lee’s To Kill A Mockingbird, for Julie it’s about looking out for others, it’s about leveling the playing field. 

For over 20 years, Julie’s been looking out for personal injury victims and their families who’ve suffered injuries due to someone else’s carelessness or wrongdoing. She’d welcome the chance to stand in your shoes and evaluate your case – confidentially and at no cost. Please contact her today if you or a loved one has been a victim of an automobile crash, motorcycle wreck, slip or trip and fall incident, homeowner negligence, or any other negligent injury or wrongful death.