Texas laws require all motorcycle riders to fulfill the local insurance requirements. These requirements are based on a fault system in which all vehicle owners need mandatory liability insurance. By maintaining coverage, these riders could avoid potential litigation after an auto accident. Motorcycle Insurance Plans help them fulfill these requirements.
What are the Motorcycle Insurance Requirements?
The current liability requirements for motorcycles begin with $60,000 worth of coverage. The maximum coverage requirement for the total accident is $60,000. The minimum requirement is $30,000. The policies must provide no less than $25,000.
All motorcycle riders must have proof of coverage with them at all times. They must also provide this proof when the register a new motorcycle or renew their tag. Failure to provide proof could prevent them from registering or acquiring renewals. If their coverage is canceled, they’ll receive a citation for this violation.
What Additional Coverage Options are Available?
Comprehensive coverage pays the full cost of expenses for the motorcycle owner or other drivers involved in an accident. This coverage could also provide a rental car until the owner’s motorcycle is repaired or replaced. These opportunities also provide true value replacement based on the policy chosen by the owner. These policies provide complete coverage for vehicle accidents.
The owner could acquire collision insurance. This covers any occurrence in which a collision occurs. This includes accidents as well as falling debris. This protects the motorcycle during storms as well.
Are There Alternative Insurance Options?
The only alternatives to purchasing insurance is a deposit of $55,000 to the county comptroller or a local judge. The owner could also acquire a certificate of self-insurance through the Texas Department of Motor Vehicles. However, it also requires an extensive monetary deposit to achieve. It is available only if the owner owns over twenty-five insurable cars.
Texas motorcycle owners need at least liability coverage to prevent a citation for no insurance. The coverage provides payment for the other driver involved in the accident. This could help the owner avoid a lawsuit by providing these payments. Owners who need to review Motorcycle Insurance Plans should visit us to submit a request for a free quote today. You can also connect them on Facebook!
