First things first: To reduce the number of accident lawsuits, some states – including Florida – are no-fault states. As such, motor vehicles must carry Personal Injury Protection (PIP) coverage to pay for your damages in case of a collision – no matter who was at fault.
Note, though, that the 2019 Florida Statute 627.736 is worded to apply to all four-wheeled motor vehicles. In other words, these laws do not apply to motorcycles or other self-propelled forms of transportation. In fact, motorcyclists are not even allowed to carry PIP coverage.
Additionally, so long as you maintain the most minimal health insurance and are an adult, there is no requirement in the State of Florida for the wearing of a helmet, unless your motorcycle is not insured, and you do not have bodily injury coverage. Bear in mind that helmets provide an added layer of protection against catastrophic injuries such as head trauma, traumatic brain injuries, concussion, hematoma, or brain bleeds, etc. In motor vehicle collisions involving a motorcycle, the motorcyclist can often be ejected from the bike and thereafter sustain serious injuries including but not limited to brain damage and even death
For the reasons above, we always recommend that our clients who drive motorcycles wear helmets and purchase and maintain good health insurance, Medical Payment (MedPay) coverage, and Underinsured or Uninsured (UM) coverage if you can purchase such for your motorcycle.