Jul 18

Riding a Moped? Does Your Car Insurance Cover You?


moped driverSadly, a moped driver was killed in a Tampa car accident last night According to ABC Action News, the moped was heading westbound in the bike lane on Waters Avenue when a Dodge Ram flatbed truck traveling eastbound on Waters began making a left turn onto Camden Street and hit the front of the moped. The driver, who was wearing a helmet, was ejected onto the road and died at the scene.

What kind of car insurance can protect moped drivers in the event of a crash? You may be surprised.

Under Florida law, if you are involved in a car accident, your Personal Injury Protection (PIP) coverage will pay a portion of your medical bills and lost wages up to $10,000.00 regardless of who caused the accident. If you are a pedestrian or a bike rider, PIP will also pay a portion of your medical bills and lost wages. If you do not carry PIP coverage because you do not own a car, then the PIP insurance of the person who hit you as a pedestrian or bicyclist would be responsible for PIP benefits. However, driving a moped is different.

The Florida law outlining PIP benefits, Florida Statute 627.736(1), states as follows:

(1) REQUIRED BENEFITS.—An insurance policy complying with the security requirements of s. 627.733 must provide personal injury protection to the named insured, relatives residing in the same household, persons operating the insured motor vehicle, passengers in the motor vehicle, and other persons struck by the motor vehicle and suffering bodily injury while not an occupant of a self-propelled vehicle. . . (emphasis added).

Although many people use moped instead of cars (and thus do not have PIP coverage).since a moped is a “self-propelled vehicle,” the driver would not be entitled to PIP coverage. In fact, it is almost impossible to find an insurance carrier that will write a policy that provides PIP coverage for moped drivers.

Although the moped driver cannot be covered by PIP, the driver can, and should, purchase an insurance policy that provides liability coverage and uninsured/underinsured motorist coverage. This is crucial because many moped accidents result in significant injury. Without PIP, the moped driver would be responsible for their medical bills and lost wages even when they were not at fault for the crash. If the moped driver carried uninsured/underinsured motorist coverage, they would have protection if they were injured in a moped accident caused by another driver.

If you are going to drive a moped on Florida roads, it is important to know what insurance protection you cannot get as well as what coverage you should purchase to protect yourself in the event of a crash.


attorney matthew noyesAttorneys Matthew Noyes and Lorrie Robinson help families who are impacted by a Tampa Bay car accident. Attorney Matthew Noyes shares his advice in his book – Do You Really Need An Attorney After a Car Accident? If you have questions after a car accident, call Personal Injury Attorney Matthew Noyes at 727-796-8282 or simply click here to schedule a free case consultation.

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