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Texas Motorcycle Insurance Coverages Explained

Texas Motorcycle Insurance

Texas Property Damage Liability: (Mandatory)

If you're at fault in an accident and cause damage to others’ property, Property Damage Liability Coverage typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences and other structures.

Texas Bodily Injury Liability: (Mandatory)

If you’re at fault in an accident, it might be your responsibility to cover the medical bills the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver when you are at fault.

Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering. (In Texas you pay for guest medical coverage so that it applies to guest passengers.)

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Texas Uninsured/Underinsured Motorist Bodily Injury: (Optional)

If an accident isn't your fault, you don't want to pay for the other persons mistake. Especially if they don't have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.

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Texas Medical Payments: (Optional)

Medical Payments typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.

Texas Personal Injury Protection: (Optional)

If you're hurt in an accident, expenses could add up real fast. That's where this coverage can help, with reimbursements for:

• Medical and hospital expenses
• Lost income
• Services you would normally do yourself
• Funeral expenses
• Child care expenses

You are typically covered regardless of who was at fault.

Texas Motorcycle Collision Coverage:

It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.

Texas Motorcycle Comprehensive Coverage:

Comprehensive Coveragetypically covers your bike if it's damaged by:

• Motorcycleing
• Wind
• Vandalism
• Theft
• Some other reason that doesn't involve a crash with another vehicle

You can select the amount of your deductible (the amount you pay before eligible coverage pays). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.

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