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Nederland, TX 77627

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Texas Motorcycle insurance coverage

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Motorcycle Insurance in Texas

Riding motorcycles is fun, but it comes with responsibilities. Responsibilities to yourself, to fellow drivers, and to the state. In Texas, all motorcycle owners are required to purchase and hold motorcycle insurance. While state laws require certain minimum requirements, it is important for Nederland, TX motorcycle owners to talk with their FB Taylor agent to learn more about all the policies available. Going beyond the minimum requirements is important to protecting your body and your bike in the event of an accident.

Texas's Minimum Motorcycle Insurance Requirements

All Texas motorcycle owners must have liability insurance that covers $20,000 property damage, $30,000 for bodily injury per person, and $60,000 total bodily injury. These coverage minimums are designed to pay for the property damage and/or injuries other Texas drivers may incur in a collision in which the motorcycle insurance policyholder is deemed at fault.

What to Know About Motorcycle Insurance

While all Texas motorcycle owners must carry insurance to protect others in the event of a collision, they are not required to carry insurance to protect themselves -- although they should. A motorcycle accident can cause devastating injuries and paying for those injuries can get expensive fast if you have to do so out of your own pocket. Furthermore, even minor collisions can cause irrevocable damage to your property.

As such, it is a good idea to consider the other types of add-on motorcycle insurance coverage you can obtain. This includes:

  • Personal injury protection to cover your own medical costs and associated costs, such as lost wages
  • Uninsured/underinsured protection to cover your costs should you be in an accident with someone not legally insured or underinsured
  • Collision coverage to coverage motorcycle repairs and/or replacement in accidents you are deemed at-fault or partially at-fault
  • Comprehensive coverage to cover damages not related to an accident, i.e. theft, vandalism, or inclement weather.

Learn more by contacting our friendly team at FB Taylor about your Nederland, TX insurance options.


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