If you plan to ride your motorcycle on the road, it’s important to have adequate insurance to cover you and your bike in case of an accident. You need to find an insurance agency that will draw up a motorcycle insurance plan for you. Here are the answers to some commonly asked questions about motorcycle insurance in Texas.

A Guide to Motorcycle Insurance

Is motorcycle insurance required in Texas?

Motorcycle insurance is not required in Texas. However, you do need to have a way to prove financial responsibility in the event of an accident. The best way for most riders to do this is through a Texas-approved motorcycle insurance policy.

If you don’t want to go this route, you can file a surety bond with the county clerk with a deposit of $55,000 in cash or securities. You could also file a deposit of $55,000 in cash or using a cashier’s check with the office of the judge in the county of registration. Since these options require a large upfront investment, most riders choose to purchase an insurance policy.

Does car and motorcycle insurance work the same way?

Having motorcycle insurance is similar to auto insurance. You’ll pay a premium on a regular basis—often once a month—which allows you to file a claim if you get into an accident. After you pay your deductible, the insurance company will begin covering your costs up to the limits you’ve chosen for your bike.

What does motorcycle insurance cover?

What your insurance will cover will depend on the type of policy you choose. If you elect to buy the state minimum insurance, it will not cover your bike in the event of an accident, a natural disaster, or criminal activity. 

A collision insurance policy will cover your bike if you get in an accident, and comprehensive coverage takes care of other issues like theft, vandalism, water, wind, and fire. You can also elect to purchase bodily injury coverage, which will cover some costs if you’re involved in a fatal accident or one that results in injury. 

What are the motorcycle insurance minimums?

In Texas, the minimum coverage amounts are $25,000 for death or bodily harm of one person, $50,000 for the death or bodily harm of two or more people, and $25,000 for damage or destruction of property. While these minimums might seem more than adequate, an accident that results in serious bodily harm or death can exceed those limits. Talk to your insurance agent about what policy best fits your needs.

If you need motorcycle insurance coverage, call the team of agents at Comaltex Insurance Agency Inc. in New Braunfels, TX. This locally owned and operated business has been serving the community since 1948. They can help you with the complex process of searching for the right policy and are dedicated to finding you affordable rates. This insurance agency can also bundle your motorcycle policy with your homeowners, auto, or boat insurance. Visit their website or call (830) 625-7511 to talk to an agent today.