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What is Motorcycle Insurance?
Motorcycle insurance offers many of the same protections against accidents or other covered events as does auto insurance, but for your bike. Like auto insurance, motorcycle insurance can provide property, medical, and liability coverage, specialized to the needs of motorcycle owners.
Each coverage provides protection up to the limits of the policy, which you work with your insurance agent to set. In addition, you will usually need to pay a certain amount of money before your insurance policy begins to pay for an incident. This upfront payment is called a deductible.
What Is Covered By A Motorcycle Insurance Policy?
A boat insurance policy may include any or all of the following 6 types of coverage, though this list is not exhaustive.
Bodily Injury Liability
Bodily injury liability covers injuries that occur to others as a result of an accident in which your motorcycle is involved. It can cover medical expenses, lost wages, funeral expenses, and more.
Medical Payments or Personal Injury Protection (PIP)
Medical payments protection will cover any injuries you or your passengers experience as a result of an accident involving a motorcycle.
Property Damage Liability
Property damage liability covers damage caused by your motorcycle to someone else’s property. Covered objects can include other motorcycles, trucks, cars, lamp posts, fences, or any structure.
Collision
Collision coverage provides financial protection for damage to your motorcycle from an accident regardless of fault.
Comprehensive
Comprehensive coverage provides protection for events that are not related to an accident, such as theft, vandalism, fire, falling objects, rocks, debris, and more.
Uninsured and Underinsured Motorist Coverage
This type of coverage protects you if your motorcycle is involved in an accident with a driver who either has no insurance or not enough insurance to cover the damages to your bike, or when you are involved in a hit and run. You may also use this coverage for medical expenses.
Frequently Asked Questions
Learn more about motorcycle insurance by exploring the answers to common questions, and then contact us for additional information.
- Will my auto insurance include my motorcycle?
Unless you add your motorcycle to your auto insurance, none of your policy’s benefits will apply when you are using your motorcycle. The best way to ensure that your bike is protected is to purchase insurance specifically for motorcycles.
- Do I need more than the minimum required motorcycle insurance?
You may. You should work with your agent to find the coverages that may be best for your circumstances. Factors to consider include the value of your motorcycle, the frequency with which you use it, and your own personal budget.
- How much does motorcycle insurance cost in Texas?
The cost of your motorcycle insurance will depend upon your circumstances. Factors that can affect the price include the following: The value of the motorcycle, how much you use it, the age of your motorcycle, its style, and where it is stored. Your agent will help you negotiate policy costs that are in line with your budget.
- Does Texas require motorcycle insurance?
Yes, Texas has the same insurance requirements for motorcycles as for auto insurance and RV insurance. They are as follows: $30,000 bodily injury insurance per person, $60,000 total bodily injury coverage per accident and $25,000 in property damage per accident.
- Is towing included in my motorcycle insurance policy?
Towing may or may not be included in your motorcycle insurance policy. If this is a desirable coverage for you, you should discuss your options for adding it to your policy.
- How can I save money on my motorcycle insurance in Texas?
You may be able to save money on your motorcycle insurance in Texas by taking advantage of certain discounts. These could include discounts for insuring multiple bikes, completing motorcycle safety courses, bundling your insurance, and more. Ask your agent about discounts for which you may be eligible.
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