Motorcycle Insurance in Texas
Taking your bike out on the open road comes with financial risks. Having a motorcycle insurance policy in place can transfer some of that risk and help buffer against financial setbacks from covered events. At McDermett Insurance Agency, we help riders financially protect their investment on or off the road.
What Does Motorcycle Insurance Typically Cover?
Policies vary by carrier and state, but well-structured motorcycle insurance may include:
- Liability coverage—May help pay for bodily injury and property damage you cause to others in an accident
- Collision coverage—May help pay to repair or replace your motorcycle after an accident, regardless of fault
- Comprehensive coverage—May help cover theft, vandalism, fire and weather-related damage
- Uninsured/underinsured motorist coverage—May apply if an accident is caused by a driver who carries little or no insurance
- Accessory coverage—May help cover custom parts, gear and equipment added to your bike
- Roadside assistance coverage—May help pay for towing, fuel delivery or on-site labor if your bike breaks down
How Much Motorcycle Insurance Do I Need?
Each state sets its own minimum liability requirements, and riding with only those minimums may leave you with coverage gaps. Your loan or lease agreement may require comprehensive and collision coverage. Riders who have invested in custom builds or added equipment may want to consider higher limits and accessory coverage. Your riding habits, storage situation and how often the bike is on the road all factor into the right coverage level for you. Our team can help walk you through those specifics.
Secure a Policy Today
Waiting to address your coverage until after an incident can be costly. Contact McDermett Insurance Agency today to review your options and put a motorcycle policy in place that matches how and where you ride.