Texas Motorcycle Insurance
Texas laws require that you carry a Texas motorcycle insurance policy that meets or exceeds the minimum requirements. It’s your job to keep up with the changing laws and requirements; however most Texas motorcycle insurance agencies will make sure that your policy meets or exceeds the requirements.
The state requires you to carry $20,000 of bodily injury coverage, with $40,000 of coverage for all people injured in one accident. You also need a policy that covers property damage. The state requires you to carry a minimum of $15,000 of property damage coverage. This doesn’t seem like much, but it will be a great help if the need for the coverage arises!
The State of Texas does not require you to carry uninsured motorist coverage, but it is an option offered by most insurance companies. If you decide to carry this on your policy then you may only purchase up to the required minimum for bodily injury, and it cannot be more than the amount of bodily injury coverage that you have.
Having the right amount of coverage is of the most important way to keep you from losing everything. It is important that you carry personal injury protection, even though this coverage is optional. It cannot exceed the amount of $2,500 for each person, and it this covers expenses for medical costs, funeral costs, and lost income. This is a no-fault payout - it doesn’t matter who is at fault in the accident. Unfortunately, the personal injury protection doesn’t apply to motorcycle owners.
Texas motorcycle insurance agencies can provide you with the information that you need to get the coverage to meet the requirements of the State of Texas. Policy holders can revise there policy at any time if they need to add or remove coverage.
