If you are considering buying a motorcycle, you may be wondering whether you need individual insurance. The answer is yes! Motorcycle insurance and car insurance are not the same thing in Texas. Your standard auto insurance policy covers you when you drive your car, but it does not cover you when you ride your motorcycle. Let's talk about what you need to know to make sure you're covered while you ride.
Just like car insurance, motorcycle insurance protects you from costs associated with accidents. Personal bodily injuries are more likely on a motorcycle than they are for someone driving a car, so personal injury insurance costs tend to be a little bit higher than they are with car accidents.
Other than the personal injury factor, car insurance and motorcycle insurance are quite similar. Both protect your vehicle if it gets damaged or stolen and helps to pay for injury caused to yourself or someone else involved in an accident. It's essential to keep yourself safe in the event that you get into an accident with an uninsured driver, especially in Texas. We rank third in the nation for uninsured motorists, so the likelihood that you'll hit or be hit by someone who doesn't have insurance is high. While it may be tempting to skimp on specific facets of your coverage, you want to make sure you're covered when the unexpected happens.
Ready to make sure your bike is ready to roll for your next ride? Call Alliance Insurance Agency so we can talk about getting you a plan that makes sense for your budget. In Texas, having motorcycle insurance isn't just a good idea to protect you financially- it's the law. Avoid hefty fines and keep yourself protected by talking with an agent about a motorcycle insurance plan today.