Winter Motorcycle Riding: What Your Insurance Should Cover

Many riders may not realize that motorcycle insurance needs can shift with the seasons. Even if you ride less in winter, your bike can still be at risk from weather, theft or storage-related damage. Adjusting your coverage or reviewing your policy before winter sets in may help prevent gaps in financial protection.

Essential Motorcycle Insurance Coverage for the Winter Season

When temperatures drop, the risks on the road can change. Here are some key insurance coverages to consider for winter riding:

• Liability coverage—This coverage is generally required in Texas and can help cover costs if you’re responsible for injuring someone else or damaging their property in an accident.
• Comprehensive coverage—Winter weather can bring unexpected hazards like ice, hail or falling branches. Comprehensive insurance can cover non-collision damage, which is especially important if your bike is stored for part of the season. This coverage may include weather-related incidents and theft.
• Collision coverage—Slippery roads may increase the risk of accidents. Collision coverage may reimburse repair costs to your motorcycle if you’re involved in a crash, regardless of who is at fault.
• Uninsured/underinsured motorist coverage—Not all drivers carry adequate insurance. This coverage may help you with the financial impact of an accident if the at-fault driver has little or no insurance.
• Medical payments coverage—Cold weather can make injuries more severe. This coverage can help pay medical expenses for you and your passengers after an accident.
• Roadside assistance—Winter breakdowns can leave you stranded in uncomfortable conditions. This coverage can provide towing, battery jump-starts, and other emergency help.

How We Can Help

At American Eagle Insurance & Tax Insurance, we work with Texas motorcycle owners to tailor insurance solutions for every season. Our team can review your current policy, recommend adjustments for winter riding, and answer any questions you may have about coverage options. Contact us today to learn more.

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.