What type of insurance do I need to drive my motorcycle in Texas?

Any driver who plans on navigating the streets and highways of Texas on a motorcycle must be insured. However, the state minimum requirements, as well as coverage levels, must be abided by to legally operate a motorcycle in Richardson, TX. Our team at Collum Insurance Group LLC is committed to helping motorcycle drivers get the coverage they need to legally drive within the state of Texas. 

What are the Legal Requirements to Drive a Motorcycle in Texas?

Aside from having a Class M license, a registered motorcycle, and passing annual inspection, Texas motorcyclists must carry liability insurance to drive a motorcycle in the state. Not only do they need liability coverage, but they must also meet the state minimum levels of coverage. The minimum coverage requirement for Texas motorcycle drivers is 30/60/25. In short, this means that Texas motorcyclists must carry $30,000 worth of bodily injury coverage per person. In addition, $60,000 worth of bodily injury coverage per accident, and $25,000 worth of property damage coverage. Keep in mind that you can always carry more than the minimum required coverage if you want to or feel you need to. 

Other Considerations

Although uninsured and underinsured coverage isn’t a requirement in Texas, it might still be worth investing in if an accident is caused by an uninsured or underinsured driver. However, one of our team members at Collum Insurance Group LLC would be happy to discuss all of your insurance options as well as the legal minimum requirements with our Richardson, TX clients. If you have questions, please give us a call. We can help you secure liability insurance that meets the state minimum requirements as well as any other coverage you may need. Our team is standing by for our Richardson, TX customers. 

Motorcycle Insurance When You Don’t Wear Helmets: What to Expect

Motorcycle helmets save lives, but many riders in Texas prefer not to wear them. How does this affect your motorcycle insurance? We at Collum Insurance Group LLC can help Richardson, TX, residents better understand these factors. 

Understanding How Helmets Affect You 

Helmets are an important part of your safety protection when riding a motorcycle. However, Texas law currently does not require residents to wear a helmet while they’re driving. However, insurance companies may still frown on you if you get into an accident without a helmet. 

For example, if you are injured on a motorcycle while not wearing a helmet and someone else caused the accident, your insurance company will still look unhappily on your refusal to wear one. In other words, they may refuse to pay for certain injuries if they believe your lack of helmet contributed to them.

And if the other individual’s insurance company is the one who is paying out, they may also refuse to pay. That will all depend on what the court says was more negligent: the driving behavior of the other person or your refusal to wear a helmet. Not surprisingly, many courts will find you more negligent. 

Note that this issue refers strictly to personal injuries and not motorcycle damages. So if someone else causes the accident and your motorcycle is damaged, their policy must pay even if you weren’t wearing a helmet. And this situation also varies depending on the court and judge involved.

Don’t Neglect Your Insurance Needs 

As you can see, motorcycle insurance and helmets are critical to consider if you want to minimize any complications in your life. Thankfully, we at Collum Insurance Group LLC can help Richardson, TX residents better understand this situation and avoid long-term issues that may otherwise affect them.

What first time motorcycle buyers should know about insurance

Owning a motorcycle is one of the most exciting moments in one’s life. Statistics reveal that Texas has more motorcycles than any other given state. Richardson, TX residents have a formidable love for their bikes. These necessities for proper motorcycle insurance can protect you if you are involved in an accident or pre-exposed to other looming perils like theft and vandalism.

Motorcycle insurance is mandatory in Texas, but it is crucial to go beyond the prescribed minimums and shield your ride from dangers that the roadways can pose. Carrying your motorcycle insurance at all times while driving is crucial to stay within the law. If you engage in any insurance violation, it may pose challenges if you want to acquire insurance in the future and could affect your rates.

Acquiring reliable motorcycle insurance, especially as a first-time motorcycle buyer, is essential because you will enjoy being out on the open road knowing that your safety, your passengers, and your investment are covered. Contact our agents at Collum Insurance Group LLC, located in Richardson, TX, to get a quote for your motorcycle insurance.

Types of motorcycle insurance policies offered at Collum Insurance Group LLC.

  • Liability insurance policy: Covers property damage and bodily injury that you inflict on other people after an accident. It does not cater to damage to your motorcycle or rider’s injuries.
  • Motorcycle collision insurance: This caters for damage to your bike if you are engaged in a collision with another automobile.
  • Comprehensive coverage: This form of the policy pays for damages aggravated by an event other than collisions like vandalism, fire, and hailstorm.
  • Un-insured or under-insured motorist: This covers damages to you or your property caused by another driver who does not have adequate insurance or is not insured.
  • Coverage for customized motorcycle parts: This policy covers optional accessories such as custom paint jobs, chrome parts, trailers, or sidecars.

Factors that affect your motorcycle insurance premiums.

  • Age.
  • Your driving record.
  • The make and model of your bike.
  • The type of coverage.
  • Expected annual mileage.
  • Your motorcycle security.

Contact us or visit our Collum Insurance Group LLC offices at Richardson, TX, for more queries and motorcycle insurance information.