Helmets. Under Florida Statute § 316.211, riders under 21 must wear a helmet. Riders 21 and older may ride without one if they carry at least $10,000 in medical benefits coverage. Every rider must wear eye protection. Riding legally without a helmet doesn't stop an insurer from arguing your head injuries would have been less severe — we answer that with medical and biomechanical evidence.
No PIP. Motorcycles aren't covered by Florida's personal injury protection system. That means no $10,000 in no-fault benefits for your first bills. Medical payments coverage, your health insurance and your uninsured motorist coverage become more important, and so does your claim against the driver who caused the crash.
Lane splitting. Riding between lanes of traffic is illegal in Florida. If you were lane splitting, the insurer will use it to argue you share the blame — but it doesn't automatically end your claim.
Modified comparative fault. Since 2023, your recovery is reduced by your share of the blame, and if you're found more than 50% at fault you recover nothing. That's why rider bias is so dangerous, and why evidence matters. Florida doesn't require drivers to carry bodily injury coverage either, so your uninsured motorist coverage may be the policy that pays.