The state does require motorcycle insurance, and you must meet some minimums in order to comply with the law. You must have $60,000 of bodily injury coverage per accident and $15,000 for property damage coverage per accident. These are just the minimums, and there aren’t any maximums. It’s a good idea to get more coverage to protect yourself with a variety of different insurance types.
Helmet requirements don’t affect how much motorcycle insurance you should have, but they can sometimes be affected by your health insurance policy. You are required to wear a helmet unless you are 21 years old or older or are covered with a health insurance plan that includes any surgical or medical expenses from injuries that occur from a motorcycle accident. If you don’t have motorcycle insurance, you will be penalized with fines. You will be required to show proof of your motorcycle insurance if you get pulled over, as well as when you register your bike in Texas. Motorcycles must be registered just like other cars.
There are different types of motorcycles, and you are required to have motorcycle insurance if you have a moped, scooter, motor-driven cycle, or three-wheeled motorbike. Motorcycles are defined as motorized vehicles with saddles for the rider and operate on a maximum of three wheels. Mopeds are characterized motorized cycles that don’t operate faster than 30 MPH. Motor-driven cycles are characterized as motorcycles with engine displacement of less than 250 cc. An agent at Robnett Integra Insurance Services can help you determine if your motorcycle fits in the category to require insurance.
Just like with auto insurance in Brownwood, TX, there are some additional insurance policies you can purchase so that your bike stays protected. You can get comprehensive and collision coverage which can help you replace or repair your motorcycle after an accident or non-accident related cause.
Contact Robnett Integra Insurance Services, serving Brownwood, TX, to get a quote on motorcycle insurance.