Texas Motorcycle Insurance: What You Need to Know

Texas Motorcycle Insurance: What You Need to Know

Your motorcycle is something you not only use to get from one place to the next, it’s something you enjoy riding. Having the right Texas motorcycle insurance is a vital part when it comes to safeguarding your bike. After all, even though you exercise the utmost care when it comes to your motorcycle, issues can still arise and accidents can happen. Being armed with the right coverage is one of the best ways to protect yourself from the mishaps and catastrophes that can come up when you least expect it. 

It is just as important to have the right insurance fit for your motorcycle as it is to have the right coverage for your car! Don’t settle for less than the coverage you need; after all, you should be able to enjoy your bike without fearing the “what ifs.” You cannot know what lies around the bend, but with the right motorcycle insurance policy, you can confidently ride knowing that you are well prepared.

Protection For You and Your Motorcycle

  • If you end up injuring someone in an accident, bodily injury liability covers those costs for you.  If a lawsuit arises, this coverage also gives you the protection you need to take care of the situation. Even though no one wants to think about it, accidents can  happen, and while it’s less likely that you would injure someone while you’re operating your motorcycle than it is when you’re driving a car, it can still happen and you don’t want to be blindsided if it does. Having the right Texas bodily injury liability coverage can help you weather whatever issues come up. 

  • Personal injury protection is a key part of a good Texas motorcycle insurance policy. This coverage takes care of your medical expenses should you be injured in an accident. You should not have to skimp on your well-being should you sustain injuries, so having the means to take care of your medical costs is invaluable. 

  • Property damage liability insurance is crucial as well. This covers property damaged by your vehicle. Should you find yourself in a lawsuit, this coverage also helps cover those expenses. Legal issues are never fun to deal with, but it can be a less frustrating experience when you have a good insurance policy to help you deal with it. 

  • Comprehensive coverage and collision coverage are both vital aspects of a good Texas motorcycle insurance policy. Comprehensive coverage has your back if your motorcycle is stolen or vandalised. If your bike sustains fire damage, that is also covered by comprehensive coverage, as are damages caused by nature. Collision coverage helps you deal with the expenses involved if you are in an accident. While collisions and other disasters are never things we hope to encounter, when you have the right insurance coverage, the process doesn’t have to be so stressful. 

  • Comprehensive coverage and collision coverage also protects your accessories. You want to be able to replace your saddlebag or radio should something happen to them, and your Texas motorcycle insurance policy can help you replace items that are stolen or destroyed. 

  • An important facet of Texas motorcycle insurance you may not have considered is uninsured and underinsured motorist coverage. If you find yourself in an accident with a driver who lacks sufficient coverage, you could find yourself having to pay for your damages out of pocket. You shouldn’t have to allow another driver’s recklessness to financially hurt you!

Finding the Texas Motorcycle Insurance that Best Fits You

No two situations are exactly the same, so having the right coverage is important to help you navigate whatever situation comes up. When it comes down to it, having a motorcycle is about experiencing freedom – and your motorcycle insurance policy should reflect that. Talk to your Patterson Insurance agent about finding the policy that best fits you and your motorcycle. You deserve to have the peace of mind that comes with being well prepared to deal with any eventuality. 


Here at Patterson Insurance, we are there to help you, and we believe that you should have the Texas motorcycle insurance policy that can safeguard you properly. Call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; contact us today so that we can help you find the right Texas motorcycle insurance policy for you and your motorcycle!

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