Motorcycle Insurance in Texas
If you ride a motorcycle, you can benefit from the protection that motorcycle insurance has to offer. Quality motorcycle insurance will protect you and others against the damage that an accident can cause. At Hays and Hagan Insurance in West Columbia, TX, we can customize your policy to ensure you have the protection you need. Here are some important facts you should know about motorcycle insurance in Texas.
Mandatory Motorcycle Insurance Coverage
Motorcycle liability insurance is mandatory in the Lone Star State to protect others against accidents you may cause. Liability pays for injuries and property damage to other drivers in accidents that are your fault. Although Texas sets minimum liability limits, it’s to your advantage to purchase more than the bare minimum. If you’re responsible for a major accident that causes severe injuries to someone else, minimum coverage may be insufficient to cover medical costs. By purchasing as much liability coverage as you can, you can protect your assets against serious accidents you may cause.
Additional Motorcycle Insurance Coverage
Additional motorcycle insurance like comprehensive, collision and uninsured/underinsured motorist (UM) protects your motorcycle if it’s stolen or damaged in an accident.
Comprehensive insurance covers your motorcycle against theft and damage caused by inclement weather, vandalism or falling objects. Collision covers damage to your motorcycle caused by crashes. UM insurance covers your medical expenses or property damage in accidents caused by other drivers who have insufficient or no insurance coverage.
The amount of coverage you choose will depend on the value of your bike. If you took out a loan for your motorcycle, your lender may require you to have this additional coverage to protect his monetary investment. Even if you paid cash for your bike, additional insurance can save you from paying hundreds, if not thousands, of dollars’ worth of repair costs out-of-pocket.
For more information about motorcycle insurance options and costs, contact us at Hays and Hagan Insurance in West Columbia, TX.