While riding your motorcycle gives you a feeling of being free, you need to ensure that you have the proper insurance coverage to protect the investment you have made in your bike. Our insurance agents at Converse Insurance understand the laws and all aspects of motorcycle insurance coverage.
Requirements in Texas:
In the state of Texas, all motorcyclists must have at least liability insurance that covers bodily injury and property damage in the event an accident occurs that is deemed to be your fault. If you are pulled over or involved in a crash and do not have this minimum coverage, you may end up having to pay fines, lose your license for a period of time, and your bike could end up impounded so it is imperative that you at least have this minimum coverage in place before you head down the highway on your bike.
Underinsured or Uninsured Coverage
Underinsured or uninsured coverage will protect you and your motorcycle if you become involved in an accident with someone who does not have any insurance coverage or not enough coverage to pay for any injuries you sustain in the accident or damage to your bike.
Collision Motorcycle Insurance
This type of insurance is important to have in place whether you have an accident involving another vehicle or your hit an object. For example, if you lose control of your bike and crash into someone’s mailbox and yard, collision insurance will pay for the damages you caused to the person’s property.
Comprehensive Motorcycle Insurance
If you borrowed the money from a bank or other lender to purchase your bike, you will more than likely be required to have comprehensive insurance coverage to protect the lender’s investment in your motorcycle as well as your own. This type of policy will replace or repair your bike if it is damaged or destroyed by a fire, vandalism, or a natural disaster, such as a hurricane or tornado. It will also pay to have your bike replaced if it is stolen.
To create the best policy for you and your motorcycle, you should enlist the assistance of a trusted insurance agent. The motorcycle insurance agents at Converse Insurance in Texas are prepared to assist you with all of your motorcycle insurance needs. Call for an appointment today!