Also in the state of Florida motorcycles do not require insurance if you wear a helmet but if you wish to be a dummy and ride with no helmet you are required to have insurance. I have insurance because full coverage is only about $220 a year and you'd be a damn idiot not to have it. I don't wear a helmet when I'm riding to my friend's house because I live out in the county and he lives down a series of dirt road only about 2/3 of a mile away from me, so it's not like I'm going more than 30 and there's no traffic to speak of but anytime I go into town I wear a helmet. I need to get off my ass and get some actual motocross boots. If I would have had those back in March my ankle likely would not have been broken. And I would have about $3,000 more in my bank account.
What happens if you are uninsured and hit someone else? I don't see the relevance of whether you are wearing a helmet in that scenario. If you damage an expensive car you could be paying for it for years. If you seriously hurt or kill another person you will be paying for it for the rest of your life.
Well if it's me my insurance would cover it. I guess statistically speaking motorcycles don't cause much damage... Although of course sometimes they do. I've seen cars literally splitting half by motorcycles but of course the guy in the motorcycle was going 100 plus miles per hour. I guess from an insurance perspective it's just numbers games. Florida had helmet laws years ago but I remember they changed probably 20 years ago to their current state. When I remarked that my full coverage was rather low for a year my insurance agent told me that it's based on the sort of motorcycle. People aren't expected to really be going hauling ass all the time on a bike like mine. In fact I avoid highways as much as possible because my comfortable top cruising speed is about 55 mph with an absolute top speed of 75. But when you get over about 55 you can tell you're sort of taxing the motor. You can do it briefly but I wouldn't want to sit there and hold it all day. A few miles wouldn't hurt anything but I wouldn't try to take an interstate trip any distance. He said if the bike was a Hayabusa it would cost more to ensure than a Corvette. The Hayabusa I believe is currently the fastest production bike where the top speed of around 180. Nobody buys a bike like that unless they plan to occasionally go top speed. I got my bike to top speed of 75 once just to see it do it. Only ever so briefly and then began slowing back to 55 or so
