Hurt on your bike? Get an Orlando motorcycle accident lawyer who rides with you.
An Orlando motorcycle accident lawyer matters more for riders than for drivers, because Florida’s no-fault PIP doesn’t cover you on a motorcycle. We go after the at-fault driver’s insurance and your own uninsured motorist coverage, push back on bias against riders, and handle every call while you heal. No fee unless we recover.
Riders lose the most when they wait
We’re sorry this happened. A motorcycle crash rarely ends with a bent fender. It’s broken bones, road rash and months of recovery, while the insurance company is already building its version of what happened.
The rider bias
Adjusters assume riders were speeding or weaving, even when a driver turned left right in front of you.
The recorded statement
A friendly call to “get your side.” Anything you say about speed or lane position can be used to shift blame.
The fast, low offer
A quick check before you know whether you’ll need surgery, skin grafts or months off work.
What waiting can cost you
No PIP to fall back on
Your medical bills start on day one, and PIP won’t pay them.
The two-year deadline
Most Florida injury claims must be filed within two years of the crash.
Over 50% at fault
If the insurer pins most of the blame on you, Florida law bars your recovery.
The helmet argument
No helmet? The insurer will try to use it to cut what it pays for a head injury.
The insurance company has a team. Now you do too.
Get my free case reviewFlorida law, in plain words
Why motorcycle claims work differently in Florida
Florida’s no-fault system was built for cars. On a motorcycle, most of the usual safety nets don’t apply, so the at-fault driver’s coverage and your own policy choices decide what you can recover.
No PIP for riders
Florida doesn’t require PIP on a motorcycle, and a car’s PIP doesn’t cover you while you ride. Health insurance and optional MedPay can cover early bills.
The other driver’s bodily injury coverage
When a driver causes the crash, their bodily injury liability coverage pays for medical bills, lost wages and pain and suffering, up to their limit.
Your uninsured motorist coverage
Many Florida drivers carry little or no bodily injury coverage. If you bought uninsured/underinsured motorist coverage, it can make up the difference.
Helmets and fault
Riders 21 and older may ride without a helmet if they carry at least $10,000 in medical benefits coverage. Not wearing one doesn’t bar your claim, but the insurer may argue it made a head injury worse.
Shared fault
Your recovery is reduced by your share of the fault, and if you’re found more than 50% at fault, it’s gone. That’s why the evidence matters so much.
PIP for riders
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Florida’s $10,000 PIP doesn’t follow you onto a motorcycle. That makes the at-fault driver’s insurance, and your uninsured motorist coverage, the heart of the claim.
Central Florida roads
The crashes we see most
Year-round riding weather, tourist traffic and events like Leesburg Bikefest put a lot of bikes on Central Florida roads. Most motorcycle crashes we see start with a driver who never saw the rider, so we move fast to find witnesses, traffic camera and dashcam video, and the damage that shows how the crash happened.
Left turns in front of you
The most common motorcycle crash: a driver turns left across your lane and says, “I didn’t see them.” That’s not a defense.
Lane changes and blind spots
Drivers merging on I-4, the 408 and the 417 without checking mirrors. Video and witnesses often settle who moved into whom.
Road hazards
Potholes, debris and uneven pavement that a car rolls over can throw a rider. A government agency or contractor may share the blame.
Hit-and-run and uninsured drivers
When the driver flees or has no bodily injury coverage, your own uninsured motorist coverage is often the path to a fair recovery.
What you can recover after a motorcycle crash
Motorcycle injuries are often serious, and the costs keep coming after the hospital. We don’t send a demand until your doctors can tell us what your recovery, and your future, will really cost.
- Medical bills, surgery and rehab, now and in the future
- Lost wages, and lost earning power if you can’t return to the same work
- Pain, suffering and the riding season you lost
- Scarring and disfigurement from road rash and surgery
- Your motorcycle repaired or replaced, plus your helmet, jacket and gear
- For families after a fatal crash: funeral costs, lost support and lost companionship
Free checklist
After a Florida crash: the first 14 days
Not ready to call? That’s okay. This checklist covers what to do now so you don’t lose benefits you’re owed.
- The doctor visit that protects your PIP benefits (the 14-day window)
- The photos and records to collect right away
- What not to say to the other driver’s insurer
No sign-up. Check it off on your phone, or print it for your glovebox.
Proof, not promises
Real people, real results
Recovered after an Orlando motorcycle crash
[$X]
[Crash type, road and year: one sentence on the injuries and what the recovery covered.]
Every case is different. Past results don’t guarantee a similar outcome.
“The insurance company said I was speeding. Sunshine got the video and proved the driver turned right in front of me. They kept me updated the whole time.”
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Three simple steps
Your motorcycle accident case, in three steps
- 1
Tell us what happened
A free call with an attorney, in English or Spanish. We’ll explain which coverage applies to you, since PIP won’t.
- 2
We build the case and handle the insurers
We lock down video, witnesses and the crash report, notify every insurer and take the calls, so no one pressures you for a statement.
- 3
You heal, we push for a fair recovery
When your treatment is clear, we demand what your injuries are worth and negotiate hard. If the insurer won’t be fair, we’re ready for trial.
Where you end up: back on two wheels
Before
- Overwhelmed and in pain
- Alone against the insurance company
- Treated like a claim number
With Sunshine
- Informed at every step
- Protected by a team that fights for you
- Back on your feet
The right care
Surgeons, wound care and therapy that actually help you heal.
Bills and lost wages recovered
Medical bills covered and the paychecks you missed made up.
Your bike and gear replaced
A fair value for your motorcycle, helmet, jacket and boots.
Peace of mind
No more adjuster calls. You always know what’s next.
Every case is different. Past results don’t guarantee a similar outcome.
Our promise
We treat your case as if it were our own.
What it costs, and why Sunshine
Motorcycle accident attorneys who don’t blame the rider
After a motorcycle crash, most Florida riders end up fighting the insurance company alone, and its first move is to blame the bike. Sunshine State Law Firm takes on that fight and keeps you informed every step of the way, so you can heal and ride again. No fee unless we recover for you.
- No fee unless we recover for you. The percentage is in writing before you sign, along with the Statement of Client’s Rights Florida requires.
- You’ll always know who’s handling your case, with updates by text, email and phone.
- Hablamos español, from the first call to the final check.
- No question is a dumb question. We explain every step in plain words.
Guides for injured riders
Florida's modified comparative negligence law, explained
Florida’s modified comparative negligence rule bars recovery if you’re more than 50% at fault. How the 2023 law works, with examples of what it means.
Read the guide
Your insurance company is not your friend. It's a business
Your insurance company is a business, not your friend. How adjusters work, what to say on a recorded statement, and how Florida homeowners protect a claim.
Read the guide
Florida personal injury statute of limitations, explained
Florida’s personal injury statute of limitations is now generally 2 years. See deadlines by claim type, key exceptions and why waiting can hurt your case.
Read the guide
Motorcycle accident questions we hear every day
No question is a dumb question. Here are the ones we hear most.
No. Florida doesn’t require PIP on motorcycles, and the PIP on your car doesn’t cover you while you ride. Your health insurance, optional MedPay, the at-fault driver’s bodily injury coverage and your uninsured motorist coverage are what pay instead.
Yes. Riders 21 and older may ride without a helmet in Florida if they carry at least $10,000 in medical benefits coverage. The insurer may argue a helmet would have reduced a head injury, which can lower that part of the claim, but it doesn’t bar your case.
Nothing up front. We work on a contingency fee: our fee is a percentage of what we recover, and you owe no attorney’s fee if we don’t recover. The percentage and how case costs are handled are in a written agreement you see before you sign.
No. Drivers have a duty to look for motorcycles, and “I didn’t see them” is often an admission that they weren’t looking. Video, witnesses and the damage to both vehicles usually show what really happened.
Yes, as long as you’re not found more than 50% at fault. Your recovery is reduced by your share. Insurers lean on fault arguments with riders, so we gather the evidence early.
How Florida’s comparative fault rule worksFor crashes since March 24, 2023, Florida generally gives you two years from the date of the crash to file a lawsuit. Claims involving a government vehicle or road defect have their own notice rules, so it helps to call early.
Florida injury deadlines, explainedTell us your story. We’ll take it from here.
A free, personal conversation with an attorney. No pressure, no fee unless we recover for you.
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