Motorcycle Insurance in Houston, TX
Motorcycle insurance helps shield you from financial setbacks that can arise from owning or riding a motorcycle. By paying a premium, you enter into an agreement with the insurer to cover specific expenses, such as those resulting from accidents or other covered events.
Do I Need Motorcycle Insurance?
In Texas, motorcycle owners must prove financial responsibility in the event of an accident. Most do this by purchasing minimum amounts of motorcycle liability insurance.
If you’re financing your vehicle, your lender will likely require full coverage insurance, which can help pay to repair or replace your motorcycle after a covered incident or accident.
What Do Policies Cover?
While motorcycle insurance policies vary, they may include coverage for the following:
- Third-party costs if you’re responsible for injuries or property damage to others in an accident
- Repairs or replacement expenses if your motorcycle is damaged in a collision, regardless of who is at fault
- Coverage for non-collision incidents like theft, vandalism, fire or weather-related damage
- Financial protection if you’re involved in an accident with an at-fault driver who has little or no insurance
- Medical bills if you or someone riding with you is injured
How Much Coverage Should I Get?
Choosing the right motorcycle insurance starts with evaluating your bike’s value and how often you ride. It’s also important to consider your financial situation. While higher coverage limits can raise your premium, they may significantly reduce your out-of-pocket costs after an accident.
Explore Your Options
The agents at Hidalgo Multiservices are available to discuss your motorcycle insurance needs. Contact us now to learn more and get a personalized quote.