How Motorcycle Insurance Can Financially Protect You

Texas requires all motorcycle owners to demonstrate financial responsibility, typically by carrying a minimum amount of liability insurance. However, the minimum required coverage may not be sufficient to fully protect you.

What Does Motorcycle Insurance Cover?

American Eagle Insurance & Tax Insurance offers a range of motorcycle insurance options suited for Texas riders. Common coverage types include the following:

• Liability coverage may compensate for third-party injuries or property damage you cause in an accident.
• Collision coverage may pay to repair or replace your bike after a collision, regardless of who is at fault.
• Comprehensive coverage may provide financial support after non-collision events, such as theft, vandalism or severe weather damage.
• Uninsured/underinsured motorist coverage may step in if you’re in an accident caused by an inadequately insured driver.

Motorcycle insurance policies can be enhanced with riders or endorsements that may provide additional coverage or benefits beyond what the base policy offers. Here are some common riders:

• Accessories coverage may cover custom parts, equipment and accessories that are not included in your standard policy, such as saddlebags, custom seats or upgraded exhaust systems.
• Roadside assistance coverage may provide help if your motorcycle breaks down, runs out of fuel or needs a tow.
• Trip interruption coverage may reimburse food, lodging and transportation expenses if your motorcycle breaks down or is involved in an accident far from home.
• Total loss coverage may help replace your motorcycle with a new model, rather than pay the depreciated value, if your bike is totaled.

Contact Our Agency

Our team at American Eagle Insurance & Tax Insurance is dedicated to helping motorcycle owners across Texas find suitable coverage. Contact us today with any questions or to explore your options.

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.