Motorcycle insurance is not an option in Texas. It only takes one incident to put you in a financial hole. You need to ensure that you do everything to protect yourself from money problems, which is why you should consider a motorcycle insurance policy that covers all of the basics as well as a few extras. The agents at Wester Insurance can help you find the right plan.
What is motorcycle insurance?
Motorcycle insurance is similar to auto insurance. A policy may cover your bike in the instance of a car accident or theft, depending on the type of plan you select.
The average motorcycle insurance policy pays for property damage that you cause. Those who choose to go beyond liability assurance may reap the benefits of total bike replacement and medical bills paid for passengers. There are even some plans that pay for equipment upgrades not directly attached to the bike. You can essentially receive coverage for all the accessories that make your ride on the highways of Texas so great.
How much motorcycle insurance do you need?
The state requires all drivers to show proof of liability insurance that includes:
- $30,000 for bodily injury per person/$60,000 per accident
- $25,000 for property damage per accident
You may want to think beyond these terms, though, and consider motorcycle insurance that covers uninsured motorists as well as medical bill payments. You are responsible for all damages at an at-fault accident regardless of whether your policy pays for the entire bill. It is best to be safe rather than sorry. Purchase a plan that pays for the minimum and beyond.
Let Wester Insurance Help!
Wester Insurance specializes in various types of insurance policies, which include motorcycle insurance. Call us today to get started with a quote for the plan that best fits your lifestyle.