A rising number of motorcycle injuries are raising questions over the state's rules on biker insurance.

Florida is one of only two states in the country that does not require insurance across the board for motorcyclists.

In the Sunshine State, insurance is optional for anyone 21-years or older who wears a helmet.

Experts say the age group getting into the most crashes is between 40 and 55 years old.

Experts say even those who do carry insurance, often times do not have enough coverage.

Jerry Palladino said, "If that particular driver has a $10,000 or $20,000 insurance policy, that's probably not going to cover or come anywhere near covering your medical bills, If you have no insurance yourself, you're just out of luck."

The only other state that does not require motorcycle insurance is Washington.