Motorcycle Insurance in Texas

Riding down the highway with the wind in your hair on your beloved motorcycle is a great feeling but it is even better when you know you and your bike are protected if anything happens. To ensure that you have the most peace of mind, you need to obtain motorcycle insurance coverage and the type of coverage and the amount is up to you as long as you have the minimum insurance required in the state of Texas.

In Texas, all motorcycle owners must obtain at least the minimum amount of coverage which is liability insurance that covers $30,000 in injury coverage for each person in an accident, up to $60,000 for all injuries per accident, and $25,000 for property damage per accident. While all motorcycle owners must have liability motorcycle insurance, many opt for more coverage for their bike which is a major investment for most.

Full-coverage motorcycle insurance will cover the repairs or replacement cost if your bike is damaged or stolen along with any damages you may cause in an accident. In most cases, full coverage motorcycle insurance will include comprehensive and collision insurance in addition to the state-mandated liability coverages. It is the best way to protect your bike since it will cover the loss or repairs needed to your bike in the event it is stolen, damaged by someone without insurance, is vandalized, or damaged by an event, such as a tornado, hail storm, fire, or theft. It can also include personal injury protection for you and your passenger and damages you could cause if you have a crash with another motorist or property, such as a tree, pole, or building.

The best way to determine what type of motorcycle insurance you need and will be best for your situation is to speak with an experienced, trustworthy insurance agent that understands all aspects of this type of insurance. The insurance agents at Collum Insurance Group LLC in Richardson, TX have those qualities and are ready to assist you with all your motorcycle insurance needs.