Daffin Insurance Agency: Panama City Motorcycle Insurance for Every Florida Riding Lifestyle

An Inconvenient Necessity in Florida: Why is it Mandatory to Have Motorcycle Insurance?

If you’re a motorcycle enthusiast in the sunshine state of Florida, you know you need insurance regardless of where you are cruising. You also know the call of the open road along Florida’s Gulf Coast is like no other. From salt-touched breezes of Panama City, to sun-drenched blue skies that stretch on forever, Florida offer an incomparable motorcycle experience.
At Daffin Insurance Agency, we can obtain coverage on a complete range of motorcycle types—from street cycles and Harley Davidson HOGs, to traditional cruisers and touring bikes, to dirt bikes and ATVs. Whatever your two-wheel proclivities, we have a passion for helping you find comprehensive motorcycle coverage at competitive rates.

Motorcycle rider Panama City

What Does FL Motorcycle Insurance Cover?

Motorcycle insurance offers coverages similar to motorcycle insurance policies, including:

What Motorcycle Insurance Coverages Are Required in Florida?

The state of Florida, by law, requires certain motorcycle insurance coverages. You must have these coverages in the following minimum requirements to legally operate a vehicle:

Property Damage coverage: $10,000 per accident
Personal injury protection: $10,000

What Are the Different Types of Motorcycle Insurance?

An motorcycle insurance policy may include many different kinds of coverages, from liability coverage to roadside assistance coverage. Daffin Insurance will work with you to find the coverages that best suit your individual circumstances and needs. We'll remain ever-mindful of your budget and strive to meet all your insurance needs in a timely, professional way. Here are the principal kinds of coverage that your motorcycle insurance policy may include:

  • Motorcycle Insurance Liability Coverage

    Liability coverage for a motorcycle serves the same purpose as motorcycle liability coverage; it provides financial reimbursement to other motorists and passengers in the event you’re judged legally liable for an accident while riding your motorcycle.

  • Motorcycle Insurance Medical & Bodily Injury Coverage

    Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an motorcycle accident.

  • Motorcycle Insurance Property Damage

    This kind of coverage reimburses you for damage to your motorcycle caused by an accident. This coverage type frequently includes damage to protective gear and the like. Property damage coverage will also reimburse you if the vehicle is a total loss. 

  • Motorcycle Insurance Comprehensive Coverage

    Comprehensive coverage reimburses you for theft, fire, vandalism and other types of losses to your bike. Comprehensive insurance even covers your motorcycle while you have it stored away during cooler weather.

  • Motorcycle Insurance Custom Parts & Equipment Coverage

    If you’re into customizing your ride, tinkering with it and upgrading it to suit your individual style and personality, custom parts and equipment coverage is a must. This kind of coverage reimburses you for damage and losses to your customizations. Like any other coverage type, the amount of reimbursement will depend on the amount of coverage, which typically ranges from between $3,000 and $10,000.

  • Uninsured/Underinsured Motorist Coverage

    This type of coverage protects you in case you’re involved in an accident on your motorcycle wherein the other driver has no insurance or inadequate insurance coverage.

  • Motorcycle Insurance Roadside Assistance

    Roadside assistance can be a godsend coverage if your stranded, your bike breaks down or you need a tow out on the highway. It can even help you out if your motorcycle ends up in any of these situations:

    • Dead battery
    • Flat tire
    • Lost key
    • Low fluid
    • Bike is stuck within 100 ft. of roadway
  • Motorcycle Insurance Trip Interruption Coverage

    If you should need to unexpectedly cancel or postpone a planned trip due to a mechanical breakdown, collision, or comprehensive claim, trip interruption coverage reimburses you for non-refundable costs associated with your change of plans. If your protected with this kind of coverage, Daffin Insurance Agency may be able to cover:

    • Lodging
    • Alternative Transportation
    • Food

Discounted Motorcycle Insurance with Multiple Daffin Insurance Agency Policies

If you purchase motorcycle insurance coverage through one of our many major carriers, there’s a good chance you’ll be eligible for discounted rates if you already have other insurance policies. Whether you’re already a Daffin Insurance Agency policyholder or not, ask us about motorcycle insurance multiple-policy discounts.

For a Free Motorcycle Insurance Quote in Panama City, Florida, Call Daffin Insurance Agency

Wherever you cruise on your two-wheeled adventure-maker, comprehensive motorcycle insurance from Daffin Insurance Agency will help keep you protected out on the open road. If you’re shopping for motorcycle insurance in Panama City, FL and surrounding areas, we’d love to hear from you! As an independent insurance agency in Panama City, FL, we partner with numerous motorcycle insurance carriers; our agents can do the shopping around for you!

At Daffin Insurance Agency, we will answer all your questions regarding motorcycle insurance and help you make informed coverage decisions. Call us and we'll get you covered! For a free motorcycle insurance quote, call Daffin Insurance Agency today at (850) 769-8183. Or for a free online motorcycle insurance quote, just fill out the get a quote form on our contact page.

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