State law in Alabama and Florida states that you can’t own or register a vehicle unless you get it covered by a liability insurance policy. This doesn’t extend to cars you plan to only use off-road, only road vehicles. Typically, drivers need a minimum of $25,000 for death or bodily injury to one person; $50,000 for the same coverage towards more than one person; and $25,000 coverage for property damage.
Policy options vary throughout the state. Collision would cover damage to a bike even if the driver were at fault, uninsured coverage protects against drivers who don’t have their own policy and bodily injury covers legal or medical costs if an accident injures somebody else.