Getting a motorcycle may up your coolness factor, but before you can take it out on the wide-open road–you need insurance!
Here are some quick tips you should know about motorcycle insurance!
Minimum Liability Insurance Isn’t Enough
Liability insurance covers the other driver in the case of an accident where you are at fault. Texas is a fault state, so drivers who are found at-fault for an accident are required to pay for damages.
While motorcycles are less likely to cause severe damage compared to a two-car accident, riders at-fault are still required to pay for damages caused. That being said, having the minimum coverage might not be enough to cover damage to an automobile.
Get UM & Medical Payments Coverage
While riding a motorcycle is fun, the danger factor increases as you’re driving pretty much in the open air.
Getting uninsured motorist coverage (UM) covers you and your bike protected in the case of an accident where the at-fault driver doesn’t have insurance or is underinsured.
Medical payments coverage is intended to protect you in the case of an accident that is your fault. While you may consider yourself the safest motorcyclist, you are still sharing the road with others who may not be so safe.
Consider Motorcycle Full Coverage
If you are financing your motorcycle, it is likely that your salesperson will recommend physical damage coverage. This type of coverage protects your bike from damage and theft while you are making payments on it.
Payne Insurance Group
Payne Insurance Group provides insurance for auto, home, commercial, and much more! Payne Insurance Group has partnered with over 13 businesses across the Rio Grande Valley, As a result, we have created a one-stop-shop for all your automotive needs.