Do You Need Motorcycle Insurance?
All drivers in Texas, including those on motorcycles, must prove financial responsibility. This usually is done by purchasing liability insurance, but that is not the only way to prove financial responsibility. If you are going to prove financial responsibility by purchasing liability insurance, there are some minimum requirements you must follow in the state.
The minimum amounts for coverage include $60,000 for bodily injury per accident and $25,000 for property damage per accident. Without insurance, you could be on the hook for bills if you get into an accident. If you are caught without insurance or cannot prove financial responsibility, you could face some hefty fines.
There is no maximum amount of coverage, and many motorcycle drivers prefer to get more coverage because of how dangerous it can be to ride. The more liability insurance you can afford, the better since motorcycles can cause significant injuries in a crash. Motorcyclists may want to have comprehensive or collision coverage to protect their own bike in the event of an accident, and either additional insurance or medical payments to pay for their medical bills in the event of an accident. An agent at J1 Insurance Agency LLC can help create a policy for your specific needs.
What Qualifies as a Motorcycle?
Texas is very specific about the definition of a motorcycle. Motorcycles, mopeds, and motor-driven cycles are required to have the minimum insurance requirements to be driven in the state. A motorcycle has a maximum of three wheels. A moped does not go more than 30 MPH. A motor-driven cycle has engine displacement less than 250cc.
Helmet requirements are not affected by the amount of auto insurance you have but can be affected by your health insurance policy. You are required to wear a helmet as a driver or passenger unless you are covered by a health insurance policy that includes the expenses from a motorcycle accident.
Contact J1 Insurance Agency LLC for a quote on motorcycle insurance. Our agents are here to answer your questions and help you get started on a policy.