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Under Texas state law, If you are over 20 years of age, are trained to operate a motorcycle, and have a minimum of $10,000 in medical insurance coverage, you don’t have to wear a helmet in Texas. While helmet laws are a bit lax in the Lone Star State, you may choose to wear one anyway. It’s not a legal requirement, but it’s still a very good idea.
There’s a Reason You’ll Need That Insurance
The National Highway Traffic Safety Administration has estimated that helmets have saved 1,872 motorcyclists’ lives. It is also estimated that 749 additional motorcyclists would have survived if they had worn helmets. Helmets have decreased motorcyclist fatalities by 37 percent as well as passenger fatalities by 41 percent. With these statistics in mind, it’s likely a motorcyclist with no helmet should worry more about life insurance than medical insurance.
How A Motorcycle Helmet Can Help You
The number one reason to wear a motorcycle helmet is to prevent injury. You will find that a motorcycle helmet is hard on the outside and soft on the inside. The outer shell is hard in order to protect your head from impact. The inner lining absorbs shock and reduces the rotational forces that can lead to brain damage. The visor also helps by keeping debris out of your eyes and improving overall visibility. You may also experience less wind noise while wearing a helmet.
Collum Insurance Group LLC Serving Richardson, TX
If you are in need of motorcycle insurance and are living in the Richardson, TX area, please contact Collum Insurance Group LLC. Our friendly and knowledgeable agents will help you get what you need.