In Florida, do you need to get motorcycle insurance on your bike if you are 16 years old?
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No, if you are 16, you are old enough to be responsible and never have an accident. If a cop stops you and asks for your insurance verification, just tell him you are 16.
Duh?
Who pays for the damage you cause if you have an accident?
Of course, you will need insurance unless you can guarantee that you will never have an accident.