Motorcycle Insurance in Texas
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Is Motorcycle Insurance Required in Texas?
In order to drive your motorcycle in Southlake, TX or anywhere in the state, you need to prove financial responsibility. While there are many ways to show financial responsibility, such as a surety bond with the county clerk, one of the easiest ways to determine responsibility is by getting liability insurance. To meet the minimum for liability insurance, you need $60,000 for bodily injury coverage and $25,000 for property damage.
The helmet requirements aren't affected by how much insurance you have to have. However, if you are at least 21 years old and are covered by a health plan that covers injuries from a motorcycle accident, you don’t have to wear a helmet. If you get caught driving your motorcycle without insurance, then you could face fines or driver’s license suspensions.
Different Types of Motorcycle Coverage in Texas
Just purchasing liability coverage won't protect you and your motorcycle, so there is additional coverage you can acquire. An agent at Kimble Brown Insurance Agency can help you determine your coverage needs. Accessory coverage will cover your motorcycle equipment, enhancements, and changes to the bike, other than what the original manufactured installed. Uninsured and underinsured motorist protection will help pay for any injuries and property damage is that is caused by an accident with someone who doesn't have insurance or doesn’t have enough insurance.
Medical payments coverage will cover the medical expenses for you and injured passengers on your motorcycle regardless of who is at fault. Even if you have a health insurance policy, medical payments can help out on different levels after an accident. Towing and roadside assistance coverage will help tow your bike to the nearest facility when your bike can’t be driven due to a covered loss. This can add peace of mind when driving. Personal injury protection will cover medical, funeral, and hospital costs, as well as lost wages faced by you or other passengers injured in an accident, regardless of who is at fault.
Visit Kimble Brown Insurance Agency, serving Southlake, TX, to get a quote on motorcycle insurance.