1. Am I required by law to have motorcycle insurance?
Yes. The state of Texas, like most other states, require motorcycle riders to carry at least a minimum amount of insurance.
2. What are state minimum coverages?
The state of Texas requires that all drivers carry at least the following amounts of coverage:
$30,000 bodily injury coverage for each injured person in an accident
$60,000 bodily injury coverage total per accident
$25,000 property damage coverage per accident
3. What is a deductible?
A deductible is the amount that the insured must pay before the insurance coverage kicks in. For example, let’s say you incurred $1,000 of damages to your bike and your deductible is $250. The insurance company would pay you $750, and you would pay $250 out of pocket. The deductible amount is pre-set based on your policy, and you can choose the amount. Typically, a lower deductible will mean a higher premium and vice versa.
4. Does motorcycle insurance work like car insurance?
In many ways, yes. Motorcycle will have a premium that you pay for the coverage, and your policy will have a deductible that you have to pay before the insurance kicks in.
5. Does wearing a helmet (or not) change my premium?
No. Wearing a helmet is not required in Texas, and so most providers build the potential higher costs for head injuries into their premiums, regardless of whether a specific rider wears one or not.
6. Will my motorcycle insurance pay for theft of my motorcycle or property inside it?
Yes, comprehensive policies will provide some coverage for theft of the bike or items stored in it, but it’s important to sit down with an agent and talk through all the different coverage options and amounts.
7. What is the billing schedule for motorcycle insurance?
We can arrange payments annually, twice a year, quarterly, or even monthly. In some cases, you can earn a discount by paying for the year upfront.
