Riding in the Texas Heat: How to Insure Your Motorcycle

Summer in Texas is an ideal time to ride a motorcycle. Before revving the engine, riders should consider purchasing motorcycle insurance. This policy may provide financial support after an accident, theft or other unexpected incident.

Do Texas Riders Need Motorcycle Insurance?

Texas law requires all motorcyclists to carry proof of financial responsibility in case of any accident they cause. Most drivers satisfy this requirement by purchasing minimum levels of liability insurance. However, state-required limits may not go far, especially after a serious crash. Insurance may help cover legal costs, medical bills and property damage. Without it, riders could be held personally responsible for thousands of dollars.

What Does Motorcycle Insurance Cover?

Motorcycle insurance consists of several types of coverage. An agent may recommend the following:

• Liability coverage may pay for damages and injuries a rider causes to others in an accident.
• Collision coverage may cover damage to the motorcycle from a crash, regardless of fault.
• Comprehensive coverage may cover damage due to fire, theft and other events not related to a crash.
• Uninsured/underinsured motorist coverage may cover bike repairs, medical bills and lost wages if the at-fault driver lacks insurance.
• Medical payments coverage may cover minor medical treatments for the rider and passengers after an accident.

How To Get Motorcycle Insurance in Texas

To purchase motorcycle insurance, riders should gather their driving history and details such as the bike’s make, model, year and VIN. From there, they can request quotes from multiple insurers to compare coverage options and costs, considering that rates vary based on factors like age, location and motorcycle type. Once a policy is chosen, it can typically be purchased online or in person.

Contact Us

Contact A&N Insurance Agency LLC today to learn more about motorcycle insurance or to get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.