Are Motorcycle Accident Victims in West Palm Beach Covered by Florida’s No-Fault PIP System?

Are Motorcycle Accident Victims In West Palm Beach Covered By FL's No-Fault PIP System?

No. Motorcycles are explicitly excluded from Florida’s Personal Injury Protection (PIP) no-fault system under § 627.736, F.S. This means injured riders cannot rely on their own auto PIP coverage after a crash. Instead, motorcyclists must generally pursue a claim directly against the at-fault driver’s liability insurance, or through their own uninsured/underinsured motorist (UM/UIM) coverage. Because motorcyclists fall outside the no-fault system, understanding your available coverage options before and after a crash is critical.

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