What Does Motorcycle Insurance Cover?

As the Texas Hill Country beckons riders with its winding roads and beautiful landscapes, understanding motorcycle insurance becomes essential. Whether you’re cruising through New Braunfels or taking a long ride through the state, knowing what your insurance might cover can make a significant difference in your peace of mind.

Basic Coverage Types for Motorcycles

Let’s start with the fundamental coverage that Texas law requires. Liability insurance can be considered mandatory for all motorcyclists in Texas, helping with expenses if you’re responsible for an accident. This includes both bodily injury and property damage liability coverage.

But liability is just the beginning. Motorcycle insurance can extend far beyond basic requirements, potentially offering protection for various situations you might encounter on Texas roads.

Comprehensive and Collision Coverage

Texas weather can be unpredictable, and so can road conditions. Comprehensive coverage might help with damage from non-collision incidents like theft, vandalism or storm damage. Comprehensive coverage could make a difference if your bike gets caught in one of those notorious Texas hailstorms or suffers damage while parked.

Collision coverage focuses on damage to your bike from accidents, whether with another vehicle or an object. Given the unique challenges of riding in both rural and urban Texas, collision coverage might be worth considering.

Additional Protection Options

Your motorcycle isn’t just transportation—it’s an investment. Several coverage options might help protect that investment:

• Custom parts coverage. If you’ve modified your bike with custom chrome, special paint or aftermarket parts, standard insurance might not fully cover these additions. Specific coverage for custom parts could help protect your modifications.
• Medical payments. Unlike cars, motorcycles don’t come with the protection of a metal frame around you. Medical payments coverage might help with healthcare costs after an accident, regardless of who’s at fault.
• Roadside assistance. Breaking down on a hot Texas highway isn’t just inconvenient—it can be dangerous. Roadside assistance coverage might help get you and your bike to safety.

Special Considerations for Texas Riders

Texas’s climate and geography create unique situations for motorcyclists. Long riding seasons mean more time on the road, and varying weather conditions can change quickly. Consider how your coverage choices align with your riding habits and local conditions.

Coverage for Different Types of Bikes

Insurance needs can vary based on your motorcycle type. A touring bike used for long trips through the Hill Country might need different coverage than a sports bike primarily used for weekend rides. Your bike’s value, usage and storage situation might all influence appropriate coverage levels.

Learn More

Contact Primero Insurance in New Braunfels, TX, to discuss motorcycle insurance options that suit your riding style and needs. Our team can help you understand coverage choices for your situation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.