Motorcycles are viewed as high-risk assets. Though they allow people to have fun traveling around, motorcycles have the potential to cause significant damage. Research shows motorcycle riders are more vulnerable to severe injuries in a collision than car drivers. This is especially true in Texas, where road conditions change frequently. Riding during warm months in Texas is very dangerous due to the high likelihood of inclement weather. You have to be prepared for an emergency to occur at any moment if you’re riding a motorcycle around Texas regularly. You must have vital motorcycle insurance in place.
Here’s a closer look at motorcycle insurance policies.
- Minimum Coverage
It is legal to operate your motorcycle in Texas with a minimum level of insurance. Insurance provides protection and minimizes risk for you and other devices while on the road. Liability insurance is a minimum motorcycle insurance requirement. Liability insurance protects you if your motorcycle causes damage while you’re on the road. Bodily injury coverage covers potential medical costs for the impacted party. Property damage coverage handles the possible repair or replacement costs. Purchasing liability insurance ensures that you will at least meet the minimum motorcycle insurance requirements. Be aware that liability insurance does not cover any damage to your motorcycle.
- What If I Can’t Add Coverage?
Riding your motorcycle around Texas without insurance is very dangerous. If law enforcement stops you on the road and you don’t have insurance, you’ll be fined or worse. You may not be able to find affordable motorcycle insurance in the future. You may get pulled over if you operate a motorcycle without a helmet. Texas motorcycle insurance laws mandate that you wear a helmet if you are under 21. It’s essential to learn about all of the motorcycle laws in Texas before hitting the road to avoid an uncomfortable situation. Completing a motorcycle safety course is also recommended.
- Extra Coverage
Sticking to the minimum motorcycle insurance requirements leaves you vulnerable in many situations. It’s recommended that you add extra coverage for more layers of protection. Comprehensive coverage covers your motorcycle if it’s stolen or damaged. You’re also covered if your motorcycle is damaged due to severe weather or if your motorcycle has mechanical issues while you’re traveling. Collision coverage handles your repair costs if your motorcycle is damaged in a collision with another vehicle.
Adding Personal Injury Protection (PIP) is also recommended. PIP will cover the costs associated with your medical treatment if you suffer an injury. If you suffer a severe injury, PIP will cover your lost wages if you cannot work. It’s recommended that you speak with your insurance agent so they can help you find the right coverage for your motorcycle. You may have a custom motorcycle that requires custom parts coverage to protect it fully. Also, be aware that your motorcycle insurance will include a deductible. Your deductible is the amount you must pay toward potential damages before your insurer covers the rest.
Consult Family Financial Insurance Group for Best Motorcycle Insurance!
Following the motorcycle insurance requirements gives you some protection while you’re out on the road. If you have questions about additional coverage, contact the team here at Family Financial Insurance Group, and we will assist you.