FAQs - Page 6 of 8 - IMAX Insurance Group

Q: Does my policy cover a passenger?

Usually, but not automatically, and the limits are often lower than riders expect. If you carry a passenger regularly, tell us when we quote it. It changes what we recommend.

Q: How much does motorcycle insurance cost in Miami?

There is no flat number, and anyone quoting you one sight unseen is guessing. Price moves with your riding record, your age and experience, the bike itself (a sport bike and a cruiser do not price the same), where you park it, and the coverage you pick. Call us at (786) 441-8985 or request a free quote and we will price your actual bike.

Q: Do you insure ATVs and off-road vehicles?

Yes. ATVs, dirt bikes and similar recreational vehicles are a regular part of what we place. Coverage works differently from a street bike, especially around where you ride and whether the machine gets trailered, so it is worth a short conversation rather than a web form.

Q: What does motorcycle insurance cover?

It depends what you build. Liability for damage or injury you cause, collision for your own bike, comprehensive for theft, fire and storm damage, medical payments for you and a passenger, and uninsured motorist coverage for the driver who hits you carrying nothing. Custom parts and accessories are usually a separate add-on. Riders tend to find that out the hard way.

Q: Do I need motorcycle insurance in Florida?

Florida treats motorcycles differently from cars, and the rules surprise most riders. We broke down exactly what the law requires in our guide to Florida motorcycle insurance . The short version: what is legally required and what actually protects you are two different things, and the gap is wider on a bike than it is on a car.

Q: Can I bundle my coverage into one policy?

Often you can. A business owners policy, usually called a BOP, packages property, general liability and business interruption together for smaller operations, generally at a better price than buying each piece on its own. We wrote more about it in our guide to BOP insurance for Miami small businesses .