Motorcycle Insurance

If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Having the right motorcycle insurance policy may also protect you financially in case of an accident or theft.

What is Covered Under Motorcycle Insurance?

The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. However, a standard policy may provide the following:

Liability coverage may help you cover legal and/or medical expenses if you’re deemed liable for inflicting bodily harm to a third party or damaging someone else’s property.
Comprehensive coverage may pay for your motorcycle’s repair costs if it were damaged by fire, theft, certain natural disasters or vandalism.
Collision coverage may help you cover repair costs if you hit an object, a tree or another vehicle.
Personal injury protection can assist with medical bills, lost wages and other costs after an accident, regardless of fault.
Custom parts coverage may help cover the costs of replacing or repairing your motorcycle’s custom parts.

Why Do You Need Motorcycle Insurance

Texas requires motorcycle owners to carry proof of financial responsibility, which is typically achieved through a motorcycle insurance policy with a minimum amount of liability insurance. In addition, your lender may ask you to submit proof of insurance if you’re financing your motorcycle. Even if it’s not required, having motorcycle coverage may help you manage expenses and losses in case of an accident or damage.

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