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Motorcycle Insurance in Texas

Texas state law requires all motorcycle operators to prove financial responsibility in the event that they are involved in an accident. Should you be held responsible for an incident, such coverage is crucial in order to defray the costs associated with any damaged sustained by the affected parties and to avoid legal action by the state.

The simplest way to prove financial responsibility in Texas is to purchase motorcycle insurance through independent insurance agents with The Policy Source, LLC. Our agents are trained to walk you through the process and procedures for covering your motorcycle, and to keep you abreast of any changes to local and state legislation. Other options, such as self-insurance and surety bonds, are available, though they are far more difficult to obtain and less foolproof than insurance.

By law, all motorcycle insurance policies issued in the state of Texas must provide a bare minimum liability coverage of $60,000 for bodily injury per accident, $30,000 for bodily injury per person involved in each accident and $25,000 for property damage per accident. While those figures constitute a legally sound financial responsibility, coverage in greater amounts can help defray the costs of more serious accidents.

Penalties for failing to maintain valid motorcycle insurance in the state of Texas are serious. They can include hefty fines, license suspension, and motorcycle impoundment. In more serious situations, legal proceedings legal proceedings may also be pursued by the state.

While your insurance provider will generally keep ahead of changing regulations and policy maintenance, it is still important for you to stay aware of the details of your coverage. If for some reason you allow your policy to lapse, it can open you up to a number of the scenarios mentioned above.

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