The JRC Blog

Things to Know about Motorcycle Insurance

motorcycle insurance, ride hill country texas ‘Tis the season for taking a spin on the motorcycle! The weather is beautiful, school is out, traffic is lighter, and the sun stays up well after working hours. Ride on!

As you probably know, operating a motorbike of any type can be risky. But did you know that statistically motorcycle drivers are at a higher risk of accident and injury than car drivers?

As with anything, it’s never fun to consider what could go wrong. But if something does go wrong while riding a motorcycle and you are not prepared, it can be costly.

Many people want to know how much motorcycle insurance costs.

Like most insurance coverage, it’s subjective to several different factors such as the state you live in, your demographics, the type of motorbike you own, how often you use it, and how you store it.

What about the types of motorcycle insurance that are out there?

Texas requires you to be able to pay for any damages and injuries from any accident you cause. Because of this, drivers and motorcyclists are required by law to carry a basic liability insurance plan.

In Texas, your policy must have the following minimum limits:
  • $30,000 for each injured person.
  • $60,000 for injuries per incident.
  • $25,000 for property damage.

On top of the law’s requirement of liability insurance, there are also other types of coverage that you might want to consider if you enjoy taking a trip on a motorbike.

Collision coverage:

This type of coverage protects you in the event of a collision with another vehicle or motorcycle.

Comprehensive coverage:

Any damage caused to your bike by theft, vandalism, falling objects, etc. would be covered by this type of coverage.

Uninsured or Underinsured coverage:

When another motorist does not have, or does not have enough, insurance to pay for injuries or damage caused to you, this kind of insurance will make sure you get what you deserve.

Personal Injury Projection (PIP):

PIP coverage will help pay medical costs in the event of an accident, regardless of who is at fault.

Medical Payments coverage:

This is an additional coverage should you become injured in an accident and your other insurance coverages are not enough for the medical expenses.

Accessory coverage:

If you have any custom equipment or parts on your bike that you are especially fond to, this type of coverage will replace them should they get damaged.

Motorcycle Roadside Assistance:

In the case of your motorcycle breaking down on the side of the road, this insurance will help with towing and labor costs.

Whether you operate a motorcycle, scooter, moped, or other type of motorbike, you must protect yourself and your bike with adequate motorcycle insurance.

And once you get the proper coverage for your adventures, check out these Best in Texas routes that motorcyclists love!