After a motorcycle accident, move out of immediate danger when possible, call 911, obtain medical care, report the crash, photograph the scene, identify witnesses, preserve the motorcycle and riding gear, and notify the appropriate insurers. Motorcycle injuries can be serious even when the rider initially feels alert. Adrenaline, shock, or delayed symptoms can mask head injuries, fractures, internal injuries, soft-tissue damage, or neurological problems. Florida motorcycle insurance rules also differ from the rules governing many four-wheel vehicles—motorcycles are not treated as motor vehicles under the definition used by Florida's no-fault insurance statutes.
Key Takeaways
- Medical safety takes priority over collecting evidence.
- Report the accident when anyone may be injured.
- Do not assume that the absence of visible injury means you are unhurt.
- Preserve the motorcycle and helmet before repairs or disposal.
- Motorcycle riders generally cannot rely on ordinary Florida PIP coverage.
- Uninsured or underinsured motorist coverage can be important when the at-fault driver has insufficient insurance.
- Statements about fault should be based on facts rather than guesses.
- Florida negligence claims are generally subject to a two-year filing period under the current statute, although other deadlines may apply.
This article provides general information and is not legal or medical advice. Legal rights, insurance coverage, liability, damages, and deadlines depend on the crash, policies, evidence, and applicable Florida law. Reading this article does not create an attorney-client relationship.
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