Texas motorcycle insurance is now more affordable than ever before and offers a wide range of coverage choices for the Texas biker.
Because there is no single statewide policy that offers “blanket protection” against all possible perils, we have compiled this FAQ to explain the specific coverage that will provide you with the best possible indemnity should an accident occur.
What does collision coverage actually cover?
It covers repair and replacement costs for the bike if damaged or destroyed in an accident.
This is the most essential requirement for every Texas motorcycle insurance policy.
What is the difference between collision coverage and comprehensive coverage?
Collision coverage only insures accidents between vehicles.
Sometimes accidents occur that do not involve collision with other vehicles.
Texas Auto Home can provide you with comprehensive motorcycle insurance coverage that will pay for repair costs for damages resulting from such an incident for and example, fire, theft, malicious mischief, storm damage to name a few destructive perils.
You automatically receive $1,000 dollars worth of coverage when you purchase comprehensive coverage, and you can add up to $30,000 dollars with the help of your agent.
What does basic liability insurance cover?
Basic motorcycle liability insurance will cover the damage the accident causes to the other party. Normally, this also will protect you from having to pay damages that are ruled your legal obligation, provided these costs do not exceed policy limits.
What is Uninsured /Underinsured Motorist Coverage
This form of motorcycle insurance protects Texas bikers from those with no insurance or inadequate policy limits. Should an uninsured or underinsured driver hit you, this plan will pay for damages to your insured cycle caused by the uninsured motorist.
Do I need Passenger Liability Coverage?
If you think you may carry a passenger with you at some point in time, absolutely.
Texas motorcycle insurance requirements call for separate liability coverage for passengers on the insured owner’s bike.
Being ruled at fault in such an accident could result in you being held liable for your passenger’s injuries.
This coverage will cover the medical cost of your passenger’s bodily injuries within the policy’s limits.
What does medical payments coverage provide?
If you are involved in an accident that is not ruled your fault; you may still be seriously injured.
The other person involved in the accident may have a policy limit far below your medical costs.
Adding this coverage option to your Texas motorcycle insurance policy can cover your medical payments within policy limits.
Are their any possible discounts on motorcycle insurance in Texas?
Absolutely. The cost of motorcycle insurance in Texas is lower than ever. Premium rates, of course, depend on many factors such as community rating systems, individual driver rating, and the nature and age of your bike.
It is always good to work with an agent who can assess your personal history and balance that against community and vehicle rating formulas. Many times excellent credit and accident free history can help you obtain better, overall rates on motorcycle insurance in Texas.
Texas Auto Home Insurance may also be able to obtain motorcycle coverage discounts for you under any or all of the following categories:
- Multiple policy discounts are available for those who obtain more than one line of insurance through our service.
- Motorcycle safety discounts can be negotiated for passing a motorcycle safety course
- Motorcycle organization discounts are available to bikers who belong to an approved organization.
Texas Auto Home can provide you with any number of specific coverage options that your agent can help you choose to best insure your bike, your finances, and your physical well being.
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Texas Auto Home Insurance is a statewide multi-line property and casualty insurance source that reaches out to every major city, mid-sized community, and small town in Texas. We have excellent rates on all lines of insurance, including texas auto insurance, boat/ATV, commercial vehicle insurance, commercial property and general liability insurance for businesses and contractors, home insurance, mobile home insurance, renters insurance, and condo insurance. Click here to see if you qualify for any possible motorcycle insurance discounts in Houston, TX, Austin, Texas, Dallas, TX, Fort Worth, Texas, San Antonio, TX, Brownsville, Texas East Grayson, Tx East Jefferson, TX Flower Mound, Texas, Fort Worth, TX Longview, Tx McAllen, Texas Mesquite, Tx Midland, TX Northwest Harris, Texas Pasadena, Tx, Port Arthur, TX, Round Rock, Texas, and San Angelo, TX, Bridge City, Texas Wylie, Texas Bonham, Texas Kaufman, Texas, Bellaire, Texas Ennis, Texas, Edna-Cordele, Texas, and Tyler, Texas.
You can also call 1-866-663-5262 toll free and speak with an agent familiar with your city or region of Texas with any questions you may have about your current insurance policy or special coverage options you may need for your personal vehicle, home, or commercial coverage.
