A motorcycle requires insurance in the state of Texas, but the coverage that is available can depend on several factors and the plan that you are considering. Depending on the Texas motorcycle insurance policy, you may have coverage that meets or exceeds the standards of the state.

Minimum Standards

If you purchase a plan that provides the minimum standards, then you will have coverage for bodily injuries and damage to property. Liability protection is required by the state for every vehicle, including motorcycles.

Although the minimum requirements give you a place to start, you can purchase additional protection for your motorcycle if you are concerned about damages to the bike or high-cost medical bills. The state minimum is usually best if you have an older bike or when you have a strict budget.

Coverage for Unexpected Situations

Unexpected situations can range from a tree branch falling on your bike to a storm that damages the motorcycle. It can also include collisions and accidents on the road.

When you want to protect against the possible problems that may arise, you can consider a comprehensive plan and collision coverage. The additional coverage will allow you to make a claim for the damages to your motorcycle and the cost of repairs after an accident. It also provides protection against common threats if you park your motorcycle on the road or leave it outside the house, since it protects against damages from storm, theft or events that are beyond your personal control.

Options that are available to protect your motorcycle can take many forms. Depending on the coverage that you want to purchase and the plan that you are considering, the exact details may vary. Contact us to talk to an agent to learn more about your options.